I am in the process of buying in a sub division in Cebu. The house won't be ready until mid 2009 so I have no direct experience yet but I understand that the monthly service charge will be around 2500 pesos, to include rubbish collection and guards. There are plenty of developments in progress in and around Cebu city and I have looked at most of them. Some are pretty barren places where OCWs are buying lots on an instalment basis with the intention of building their house in a few years time. You find the odd house sited amongst a bunch of over grown waste land. House and lot packages are a better deal because then you know the area will look finished. if you want more infor send me a private message.