Prime/Plus BTO owners can only sell to families within an income ceiling of $14,000.

Families with a household income of $14,000 can only loan a maximum of $795,700. This is based on MSR by HDB (Assuming max. loan tenure of 25, stress test of 4%). Assuming you intend to sell your 750k Prime BTO in 10 years time for 1.5m (75k annual upside which is a conservative number). The next family buying over your flat will need to top up more than 700k worth of cash and CPF to pay for their downpayment and excess amount which the loan fails to cover.

Capital appreciation is one thing, but if you struggle to sell your flat at its “supposed” value, a price beyond what families within the income ceiling can realistically afford, you’d have no choice but to eventually lower your selling price. What’s left of the “pot of gold” then?