It's not like you have a choice in purchasing a 3 room or 5 room
HDB, they have income ceilings, if your gross montly household
income exceeds $3,000, you are forced into buying bigger units,
thereby incurring a higher debt with your level of income.
It's alot like walking into a restaurant, you want to
eat plain porridge with salted eggs, but the restaurant
manager tells you no, you have higher income, you
must eat shark's fin and abalone. 
PAP has a debt level for your particular income level.
Something like if you household income is $7k or $8k, you cannot
buy hdb flats, you have to buy condo.
Left 1 option, buy resale flats, but then resales so
expensive.
How? Hmmmm...dont buy. Stay at the existing flat under govt
enbloc the hdb flats.
:)
