Among Singaporeans, there’s an unspoken agreement that – if you buy an HDB flat – you should go for the largest flat type you can get. It’s not always just about having more space or for future family planning; it’s also due to the expectation that 3-room flats will perform worse than 5-room flats, or 5-room flats will perform worse than executive flats, and so forth. But given the rising property prices in 2022, it may be time to question some of these assumptions: 1. A 3-room flat may help if you are looking to invest in a second property in the future If you are planning to invest in a second property in the future, it’s good to get that right from the start if you want to avoid having to pay any Additional Buyer Stamp Duty (ABSD). Traditionally, if your first home is an HDB and you want to keep the HDB and buy a second property, you will have to incur the hefty 17% ABSD (just like this couple here)....