What are factors to consider when deciding whether and how much to repay my HDB loan? And in cash or CPF?

If can service and clear your loan by cash. Reduce the usage of CPF. Why?

1. You will be accumulating accrued interest over the years upon using your OA which you need to pay back to your own self if you decide to move. Many do not see this as an issue but if you're in need of cash and your assets is not making money, then it is an issue.

2. CPF OA generates 2.6%. It doesn't make sense paying for a loan which charges you 2.5% using an account which generates you 2.6%. might as well you pay using cash in your bank account which generate 0.05%.

I hope these short answers assist your queries.

Cheers!😄

The bigger question could be what is the best way to optimize my financial resources?

If you can leisurely get >6% by investing then go ahead and invest rather than pay off quickly. This is just an example.

Financial resources can be either CPF or hard cash.

Cash is always king so don’t be in a hurry to use it up.

If you want to take a good hard look at this you can speak to an independent financial adviser such as myself to see how you can best put your money to good use.