The Resale Room: The Real Reason HDB Resale is Slowing in 2026

Hey! I'd love to hear your thoughts, send me a voice note.For the first time in seven years, HDB resale prices have fallen for two straight quarters — while private home prices keep climbing. In this episode of The Resale Room, Harvey Chia is joined by his co-hosts to unpack what's really happening beneath the headline.The panel walks through 20 years of HDB price data — a run-up, seven flat years, then a post-COVID surge now cooling on a wave of incoming supply. Quintino shares his own EM story: bought in 2018 for around $600K, sold above a million, and why timing and rarity beat the market. They dig into the real drivers of the slowdown — new BTO, Plus and Prime flats pulling first-timers away, the 15-month wait-out rule, tighter LTV limits, and a flood of MOP flats hitting resale through 2028.Also covered: whether private is genuinely more defensible than HDB, why million-dollar flats keep breaking records, and the BTO trap most buyers underestimate — long construction waits, MOP periods up to 10 years, and clawback of up to 20% on Prime flats. The throughline: the one resource you can't replicate is time.Featuring Harvey Chia, Viv Yeow, Teng Tan and Quintino Cassano Lee.CHAPTERS 0:00 Intro: HDB Resale Falls, Private Rises 0:54 20 Years of HDB Price Data (2006–2026) 1:36 Quintino's EM Story: $600K to Over $1M 4:35 Why the HDB Market Is Slowing 6:00 BTO, the 15-Month Rule & Tighter LTV 7:59 If You Could Rewind: HDB or Private? 13:15 The Incoming Supply Wave (BTO + MOP to 2028) 16:30 Sellers vs Buyers: Who's Really Competing 17:30 Policy Shifts: 15-Month Rule & Singles at 30 18:46 Why Million-Dollar Flats Keep Breaking Records 21:20 Is Private More Defensible Than HDB? 23:51 The BTO Caution: MOP & Clawback Explained 27:39 What Matters Most for Younger Buyers 31:53 Time: The Resource You Can't Replicate 35:22 Renovation Costs & OutroSUBSCRIBE to OUR YOUTUBE Channel: @propertyroundtable #SingaporeProperty #PropertyRoundTable #ResaleCondo