Should priority be given to clear our HDB housing loan using cash (which can be paid off from the CPF OA over 20 years), or to use this cash for investment or CPF top-ups to the SA ?

I would prefer to top up the CPF SA to full retirement sum as that would provide me some assurance and a safety net for the future.

I would probably rush to clear the housing loan. (On the basis that one’s job is fairly stable)

Priority should be save cash to buy the next BTO.

I can do it so can you.