Sometimes, you just have to hold your hands up and admit that you got it wrong. My COE prediction 1.5 years ago was pretty on the mark, but cars are a much smaller ticket item as compared to a property.  So that’s scant consolation. HDB Prices in 2017 My current flat reached its Minimum Occupation Status (MOP) about 5 years ago in late 2017. I had half-serious thoughts about upgrading to a bigger flat within the Punggol area. The Mrs and I were already tutors and we were transitioning to conducting lessons at home, so more space would have been ideal.  Since we are already staying in a 5-room flat, the only alternatives are the bigger loft units, of which there were <100 in the estate. These loft units already made the news as far back as 2015, when one of them sold for $760k. I probably could have stretched my finances in 2017/2018 and tried to buy one for $800-$850k....