57 Havelock Road

Three bedrooms across 958 sqft at Havelock Road, priced at S$1,038,888. A million dollar HDB gets headlines, but the figure makes sense once you look at where this flat actually is.

Havelock MRT on the Thomson East Coast Line is close, the CBD is a short ride, and Great World and Tiong Bahru are both within easy reach. You are paying for a central address on an HDB lease, which is a genuinely different proposition from a private unit at the same price.

If you are weighing this against a condo at a similar budget, that comparison is exactly the one I help people think through. The answer depends on your CPF position, your timeline and whether you plan to upgrade later.