Property intelligence for decisions that matter.

The deepest desk: evidence-led coverage of Singapore property, from data to decisions.

Format: guide
Topic: Home Financing

2 stories

Cassia sits at a wooden table with a notebook and kopi while discussing the housing decision before 35. — Start with a plan you can review.

property · guide

Single, waiting till 35. Then what?

Everyone says wait for 35. Then "next year" comes round again. What are you giving up while you wait? Three routes may offer another way in, but a costly choice can be hard to undo.

Cassia Fo · 15 Oct 2026

Cassia Fo, wearing her light denim jacket over a white top, standing beside two abstract rate lines on a plain warm ivory background: a flat gold line representing the unchanging HDB concessionary rate, and a jagged navy line representing the floating bank rate, with a tall spike on the left (the 1997-98 Asian Financial Crisis) and a smaller spike on the right (the 2022-23 SORA hike).

property · guide

HDB Loan vs. Bank Loan: One Buyer, 25 Years, Three Real Strategies

One buyer, one S$800,000 HDB flat, three strategies -- run against real Singapore interest-rate history from 1997 to 2022, including the 1997-98 crisis and the 2022-23 SORA hike, not just today's rate.

Cassia Fo · 14 Sept 2026

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