How do you compare D20 options without the hype?

Answer-first · facts only · CEA-safe. Last reviewed 5 Oct 2026.

Use the same factual checklist for every project — tenure, transport, timeline, unit fit and total cost — and ignore slogans, leaked psf and ROI stories.

  1. Tenure & lease start — e.g. Thomson Reserve: 99 years from 14 July 2026.
  2. Keys timeline — expected vacant possession / TOP; can you bridge until then?
  3. Transport — walking time to MRT (Upper Thomson TEL for TR); future lines if relevant.
  4. Unit efficiency — bedrooms you will actually use; strata area caveats (balconies/PES).
  5. Site context — traffic, facing, facilities you will use weekly (not artist’s impressions as fact).
  6. Payment shape — new-launch progressive vs resale full mortgage from day one.
  7. Total move cost — stamp duties, legal, renovation, interim rent — not just headline quantum.

New launch vs resale in D20 is mostly a timeline and cashflow choice. Hougang / Sengkang / NE families should also weigh commute change honestly.

Want a side-by-side neighbourhood brief (facts only)? WhatsApp +65 8388 0528.

Not financial or legal advice. Policy figures and personal numbers should be confirmed with Alex / HDB / IRAS / CPF / your bank before you rely on them.