Years have passed since I collected the keys to my HDB. And having already reached the minimum occupation period along with two more additions to the family, and maybe considering one more, I was looking for a bigger property, specifically an executive condominium since I have a 5-rm HDB already of 110 sqm.

And with the massive increase in private property prices, I can't help but wonder if it would have been a better move back then to squeeze all my savings out for Esparina condo vs my Fernvale flat.

  
So I went to do some mathematical calculations as follows:

Based on what I could afford back then,

Esparina
1000 sqft -- ~$750k or $750 psf
Currently, average is around $1100 psf, so about $350k gain

HDB
I got it at $325k. Plus minor reno around $25k maximum, so $350k.
Currently, average sale is around $560k
So about $210k gain

While the absolute gain is smaller, $210k vs $350k, the percentage

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