The 60-second talking script
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The most common comment online this week about the 15-month policy removal is that the government is propping up prices. Let me give you both sides properly, because you deserve the evidence, not my politics.
The suspicious reading: HDB prices fell zero-point-one percent in Q1 and zero-point-three in Q2 — first declines in nearly seven years. The Q2 data published on the twenty-fourth of July. The 15-month policy was removed on the twenty-eighth. Four days.
The official reading: growth had already moderated from ten-point-four percent in 2022 to two-point-nine in 2025. Supply is improving — forty-eight thousand flats reaching MOP. Around eighteen hundred appeals a year showed real hardship. And the minister said publicly in June 2025 he leaned toward scrapping it.
Both readings fit the facts. Pick your own.
What matters for your decision isn't the motive. It's your flat and your finances.