Dear HDB Owners,


Should You Buy, Sell Or Wait?

"But… If I don't sell, am I losing out on an opportunity to cash out at the peak?"


Most of the clients that we met will tell us:

"Now the market is hot! Let’s seize the opportunity to SELL HIGH!

However… they forget that they will need to BUY HIGH

Firstly, ask yourself, will HDB prices just continue to keep rising?

Let’s go back to the previous HDB peak at 2013

The HDB resale market eventually took a huge dip.


Because there were a lot of BTOs launched and the introduction of cooling measures during that period resulting in a drop in demand.

In 2012, the units were actually selling at a range of $500k to $600k.

For example, in our ebook, we have a specific example of a particular block in Punggol

Don't get us wrong, we are NOT saying that your HDB price will definitely drop.

But what is happening in this current HDB resale price uptrend?

The government has already introduced cooling measures and also ramped up supply of BTO launches.

Do you see a similarity?

However in 2018, the price range dropped to around $400k plus.


Will HDB prices continue to go up or start to soften?

Today, if your HDB price has increased significantly because of the uptrend…

Especially those that were stuck because of NEGATIVE SALE and have managed to break even…

Which scenario has a higher chance of happening?

If you are keen to know how to make the most out of your HDB flat, Contact us NOW!

There is no One-Size-Fits-All strategy when it comes to property planning.

Here are some REAL LIFE cases that we have done:

Every case is unique because everyone's needs are different.

Real Life Case Study 1:

This property plan will allow them to upgrade to a 5-room HDB flat and still have the option to own a second property 5 years later WITHOUT ABSD (ADDITIONAL BUYER STAMP DUTY)!

Mrs Lim wanted a bigger space for their family but also keen on owning a second property in the future.

<The above transaction was concluded by us on Oct 2020>

When we met them, we worked out their finances and customised a property plan just for their scenario.

2 bedroom Condo with a balance of $200k cash

Through the implementation of our R-P-A MULTIPLIER STRATEGY, they discovered how to maximise their CPF and upgrade without any financial stress at all!

They became proud owners of a 2 bedroom Condominium and still had a balance fund of around $200k!!!

In fact, they could comfortably finance their condominium for 5 years without stress!

Mr & Mrs Tan were in their early 30s with an income of $9000. They had an outstanding housing loan of around $75k and wanted to upgrade in the safest way possible so that they can have a better asset.

4-room HDB flat

<The above transaction is a (HDB 4-room flat) was concluded by us on September 2019>

Real Life Case Study 2:

Real Life Case Study 3:

However, they were planning to buy a resale condominium unit near their parents’ place.

This means that they should be able to exit safely in the event that they wish to cash out from their property investment.

Mr & Mrs Lee were staying with their parents and do not need a place to stay.

We advised them to delay their resale condominium purchase for 5 years to focus on capital appreciation.

Thus they decided to purchase a 3 bedroom New Launch condominium with a good upside potential so that they will have more funds to comfortably purchase a condominium near their parents in the future.

Today, a 2 bed 1 bath unit in the same development has already transacted higher than their 3 bedroom unit.

<The above transaction was concluded by us on Dec 2020>

The fear is NOT just about losing out on profits. 

Here is our very own case study to share with you.

But rather losing out on the chance to TAKE ACTION because of a DROP in our AFFORDABILITY

We purchased a studio in The M at below $1 million in February 2020 During the Covid-19 period..

Today, the average transacted price for a 1 bedder in the M is at $1.2 million with some units transacting at more than $1.6 million.

The highest transaction that we saw was at $1,692,000!

In fact, Just a year later, a neighbouring new launch known as Midtown Modern was launched in March 2021

The average transacted price was at $1,326,366...

Their LOWEST transacted price was at $1,174,140. 

Can you see the PRICE GAP in just 1 year?

To cut the long story short,

Looking at the prices now, if we had not taken action during the Covid-19 pandemic due to much uncertainty in the market...

We would NOT be able to buy anything in the same location today.

If you have read up to this point, you are probably still wondering what should you do next as a HDB Owner

Is this the right time to buy or sell? Or should you just wait and see?

The advice that may work for someone else, may not work for you.

If you need more clarity on your next move...

Do contact us for sharing session

If you are keen to know how to make the most out of your HDB flat, Contact us NOW!

Testimonial video from our clients turned friends

Let us share with you how we have helped many home owners SAFELY PLAN their real estate assets correctly!


During the meet-up, we will share with you:

  • A STEP-BY-STEP plan on how to UPGRADE/GROW YOUR ASSETS based on your very own unique scenario
  • The CORRECT WAY to plan the SELLING/BUYING PROCESS to ensure as little disruption as possible
  • How to ensure FLEXIBILITY IN THE FUTURE so that you won’t get stuck

Matthew & Dillon exceeded our expectations and managed to help us ensure a stress-free upgrading process.

When we first met Matthew & Dillon, we had the intention to upgrade. However, we were unsure of the procedure and thought it would be difficult for our case. We were afraid of being stressed out by having more financial burdens.

They not only explained to us the procedure in details but also presented to us the various options we had according to our financial situation and gave us invaluable advice on how to upgrade in a stress-free manner.

Today, we have successfully upgraded without much stress on our side and have successfully acquired our new home.

Thank you Matthew & Dillon for your invaluable planning and advice!

Mr & Mrs Choong

One word to describe them, Power!

Passionate - They are passionate in what they do, helped us to know what exactly we want, let us understand the possible options to grow our assets.

Outstanding - They provided outstanding and professional service to us where they were very patient with us while we were trying to figure our goals in life back then. They were able to address our concerns and provided solutions to our situation and challenges. They helped us to sell off the house in just two viewings in less than 1 week!!

Well versed - They are very well-versed in this trait, shared alot with us on the market outlook and the potentials in the real estate.

Excellent Negotiation skill - They are not pushy yet they are able to negotiate a good deal for us. Matthew went all the way down to meet the buyer at his workplace, and spent a few hours with him till he closed a gd price.

Reliable - They really serve with a heart. We saw their efforts, patience and sincerity in helping us to grow our assets. They don't undercut other agents. They also continue to share tips with us even after the flat is sold.

Our relationship with them has evolved from an agent-client to friends now.

Contact them to experience their Powerness! Yourself.

Terry & Dawn

Kind Words from Our Clients...

Hi, we are Dillon & Matthew.

For the past 8 years, we worked closely with real estate veteran investors that grew their wealth by following a safe & systematic plan and SHOCKINGLY they did not even use much of their savings. 

After discovering the secret to “Asset Progression”, we have helped our clients upgrade/multiply their property without much impact on their finances and some were even more comfortable than before!

In fact, our mentor grew from a 4-room HDB flat to over 10 properties!

In fact, we decided to practice what we preach and went ahead to invest in a good upside potential property to kickstart our property investment journey.

Using the R-P-A strategy and property investment fundamentals that we share with all our clients, we decided to go ahead with a condominium unit in the core central region that was below 1 million dollars during the Covid-19 period.

Today, looking at the surrounding new launches in the market, most 1 bedder units are going for 1.1 to 1.3 million dollars!

Choosing the right unit is just one step and having the right property "roadmap" is essential to owning multiple properties.

Here at Let's Talk Property, we want to help you be the next to grow your wealth by having a beneficial asset progression plan.

Contact us for a no-obligation sharing now!

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Copyright © 2018-2023 Let's Talk Property With Matthew & Dillon. All rights reserved.

Matthew Ho. PropNex Realty Pte Ltd.

CEA Licence No.: R059798A

Phone No.: +6590079035

Dillon Sit. PropNex Realty Pte Ltd.

CEA Licence No.: R058114G

Phone No.: +6593891992

PropNex Realty Pte Ltd

480 Lorong 6 Toa Payoh, HDB HUB East Wing #10-01(S310480)

Mainline No.: (+65) 6820 8000

CEA Licence No.: L3008022J