如果價錢一樣, I will buy 居屋.
It is because there are only 2 possible reasons:
either 1) the 私人樓 is very small (less than 3xx sq feets),
or 2) the 私人樓 is very old (more than 3x years old)
I own both 居屋and私人樓. Based on my experience,私人樓 is definitely preferred. The reason is the price for 居屋 is very very stable. If you buy a flat, you hope it will appreciate. There will be price fluctuation for 私人樓 but the price will definitely up much after 20 years.
買左應該都不會放 放都要廿幾年 - I have the same thinking 10 yrs ago when I bought my first 居屋. The market for 居屋 is very limited and the selling price is not good. The flat size may be larger than 私人樓 but this is also an investment apart from living. There will be limitation on 居屋mortgage and is not a good means for investment.