This Viet schmuck must have not been Singapore for a long time.
Listen up, Steve Pham, HDB house ownership is an oxymoron. You don't own any shit... you're just a leasee. The pappies, HDB and their crony contractors will charge for public housing upgrades e.g. lift upgrading. You'll still have to cough out some money.
Oh, and don't forget the silly charade of letting the residents vote whether they want to proceed with the upgrading.
Welcome to our world.