All of us aspire to a better life, to give our families a better life. This is only normal. In Singapore, part of this aspiration to a better life for many is characterised by a desire to live in a condominium with full facilities and security. For HDB upgraders, they might wonder if they should sell their HDB flats or hold on to them as income properties. The case to keep their HDB flats for rental income has been quite strong in recent years due to the buoyant rental market and the very low interest rate environment. It would be prudent to ask if such a scenario is going to last? I replied to a reader who has the same question: Hi H, You have rightly identified the two main considerations which will help you in making a decision. 1. Interest rates have been very low for many years. They could stay low for a while more but they cannot stay so low forever......