Singapore’s ageing population is quietly reshaping the HDB market. By 2030, one in four Singaporeans will be over 65, and the familiar “buy, hold, and retire comfortably” property strategy is no longer guaranteed. As 99-year leases shorten and lifespans extend, HDB values do not decline gradually — they fall in stages, driven by financing and CPF rules that many homeowners only discover too late.

The Silver Tsunami is turning housing from a pure wealth asset into a retirement and wellness decision. Understanding when your flat stops appealing to younger buyers — and why timing matters more than price — may be the difference between having options and being forced into them.