📌 Scenario A • Bought at $450K • 5 years later → $360K • Difference: -$90K ⸻ 📌 Scenario B • Bought at $360K • 5 years later → $500K • Significant upside ⸻ ⚠️ What’s the difference? Same flat Same location Same intention Only timing changed. ⸻ 💡 What this means

Your first HDB decision can affect your upgrade later Most young couples choose their first HDB based on: • Space • Convenience • Location Which makes sense. But here’s what many don’t realise. ⸻ The real problem It doesn’t show now. It shows 5 to 10 years later. ⸻ W