House purchase in Singapore

Roughly 3 types of residential properties in Singapore:

1. HDB (Housing Development Board) units, or public housing. They are 99-years leasehold under HDB Government rule. Resale market after MOP (Minimum Occupation Period) of 5 to 10 years. Such as McNair Towers at Balestier area. 5 mins walk to Boon Keng MRT, wet market is nearby, as well as supermarket Sheng Siong. Block 113A and 113B are the 4-room unit, we viewed units at level 34 and 35, asking price almost 1mil SGD. Also subject to Ethnic Quota. The layout is generally good, the kitchen wall is hackable to create more spacious living room or island counter for open kitchen concept. There was modifications on both units we viewed, mostly to create a walk-in wardrobe. Some of the units have city view all the way to Chinatown, Marine Parade, and Stadium, and even Batam and JB on the clear day such as today.
2. Private apartment or condominium. There are 99-year leasehold, 999-year, and freehold. We viewed The Callista at St. Michael which is 999-year, a really peaceful property with birds chirping but next to a Buddhist temple. The other unit we viewed were freehold next to Zhongsan mall, at Sky Suites 17. The later project listed amongst higher rental return. The asking price is around 1.2mil for 2 bedrooms with 2 baths. The monthly maintenance is generally $300+ and rental is going for around $2.75k through end of this year.
3. Landed property. This type of property is generally the premise of Singapore citizen or a resident of Singapore requires government approval to purchase a landed property in Singapore.

I hope to be able to afford one someday, but otherwise, living in a luxurious apartment project is more than adequate.