Well, I think we want to move to private housing at some point in time. But in these things, timing is everything. Many bankers don't think its an optimal time right now cos the property market looks quite frothy right now, given that we appear to be at the cusp of a liquidity crisis globally, and interest rates are at an all time low and can only go up (tho it may stay low for a time).

Also, bonuses next yr aren't expected to be fantastic (hence we may not see $300k or $700k as the case may be this year). And as a poster has mentioned, our bonus may be in the form of keeping our jobs.

So for now, hdb it is.