Many people are alarmed by a few cases of HDB flats being sold for over $1 million. They worry that the HDB flats are no longer affordable. 

They should not be distracted by these exceptional cases. 

A new 4 room HDB flat in a new town is affordable. According to the table below, it represents 4 year of income of the family income. 

Those at lower income can opt for a 3 room HDB flat. 

Tan Kin Lian