BYD Atto 3 (Dynamic) vs Geely Coolray 1.5T Premium Plus: 5-year cost to own (the Philippines)

By Ivan H., EVCostIQ · reviewed against our public methodology · every source dated on this page

Over 5 years in the Philippines (12,000 km/yr), as of July 2, 2026, the Geely Coolray 1.5T Premium Plus stays the cheaper car to own — about ₱1,195,013 vs ₱1,728,853 for the BYD Atto 3 (Dynamic), a ₱533,840 difference over 5 years.

No national cash purchase rebate in the Philippines (unlike Thailand's EV3.5). EV support is tax/tariff relief already baked into the sticker price (EVIDA 0% CBU import tariff to 2028; 0% excise on pure BEVs) plus non-cash perks (number-coding/UVVRP exemption, priority LTO registration) — none of it is a cheque, so none is in the totals above. Source: DOE EVIDA/CREVI · RA 11697.

Cheaper to own over 5 years · the PhilippinesGeely Coolray 1.5T Premium Plus · ₱1,195,013 total · ₱533,840 less than the BYD Atto 3 (Dynamic)

BYD Atto 3 (Dynamic) vs Geely Coolray 1.5T Premium Plus — where the money goes

5-year total cost of ownership by component, by vehicle (PHP). Estimates; sources dated in the methodology.
Cost component	Electric · BYD Atto 3	Petrol · Geely Coolray 1.5T Premium
Depreciation (estimated)	₱966,420 (56%)	₱482,540 (40%)
Charging / fuel	₱198,935 (12%)	₱273,750 (23%)
↳ of which charging loss	12% (~₱23,872)	—
Maintenance	₱54,000 (3%)	₱90,000 (8%)
Insurance	₱190,000 (11%)	₱140,000 (12%)
Financing interest	₱307,498 (18%)	₱196,723 (16%)
Registration & fees	₱12,000 (1%)	₱12,000 (1%)
Total cost of ownership	₱1,728,853	₱1,195,013

When does the BYD Atto 3 (Dynamic) win?

The Geely Coolray 1.5T Premium Plus wins decisively here — ₱533,840 cheaper over 5 years; at typical assumptions this isn't a close call.

No realistic annual distance flips this verdict — the Geely Coolray 1.5T Premium Plus stays the cheaper car at every distance we model.

What decides the BYD Atto 3 (Dynamic) vs Geely Coolray 1.5T Premium Plus verdict

The single biggest mover is depreciation: ₱966,420 on the BYD Atto 3 (Dynamic) against ₱482,540 on the Geely Coolray 1.5T Premium Plus, a ₱483,880 gap in the Geely Coolray 1.5T Premium Plus's favor — the largest slice of the ₱533,840 verdict. On the BYD Atto 3 (Dynamic), depreciation alone is 56% of its ₱1,728,853 total; on the Geely Coolray 1.5T Premium Plus it is 40% of ₱1,195,013.

Financing interest: BYD Atto 3 (Dynamic) ₱307,498, Geely Coolray 1.5T Premium Plus ₱196,723 — ₱110,775 more in the Geely Coolray 1.5T Premium Plus's favor.
Energy: ₱198,935 of charging for the BYD Atto 3 (Dynamic) vs ₱273,750 of petrol for the Geely Coolray 1.5T Premium Plus — ₱74,815 the other way, to the BYD Atto 3 (Dynamic).
Insurance: BYD Atto 3 (Dynamic) ₱190,000, Geely Coolray 1.5T Premium Plus ₱140,000 — ₱50,000 more in the Geely Coolray 1.5T Premium Plus's favor.

The BYD Atto 3 (Dynamic)'s best answer is energy — ₱74,815 back the other way — which covers 14% of the Geely Coolray 1.5T Premium Plus's ₱533,840 lead. At the dealer the BYD Atto 3 (Dynamic) starts ₱589,000 behind the Geely Coolray 1.5T Premium Plus; running costs claw back ₱55,160 of that, but the Geely Coolray 1.5T Premium Plus still ends ₱533,840 ahead. The Geely Coolray 1.5T Premium Plus is ahead by ₱205,520 after the first year and more than doubles that lead — ₱533,840 by year 5.

BYD Atto 3 (Dynamic) vs Geely Coolray 1.5T Premium Plus, side by side

Electric