Sorry can clarify your figures?
$1 million, add in Stamp Duties of $24,600. Plus $500 mortgage fees and assume $3k legal fees. It would be $1 million + 28,100. Interest at 1% per annum would be 8k (assuming flat rate). Disregarding commission. The total cost would be $1,036,100.
If he sells after 1 year, it would be 12% SSD so you have to sell at $1,155,032 to break even. Disregarding commission. The net proceeds to break even should be $155,032 and not $154,600. Anyway u need to add commissions and legal fees so you probably have to buffer another 1% to 2%. Anyway the figures are close enough.
On your "Anyway, I invest in stock market and whenever the volume slides, the price will slide too." These two goes hand in hand. Price slide because no one is buying. Volume small is because some will nevertheless go against the tide and keep them. It can also be the other way round. People offer low prices. Only some will sell and not many would sell. If you are expecting 40% drop, You can wait very long. You might find a few in between deals or even hit them but it is very unlikely.
You have the same conclusion. No point to buy to sell. Buy to keep is ok. Price will definitely drop for a short while, thereafter, it will bounce back up to pre measure prices and be stable there. (once all the speculators who have to make their exit are gone)
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