ya and likely she will decide to get married by the time she has to decide what kind of apartment to buy.
anyway seriously speaking, i think equity investment or bond investment is much more sensible in asia (i.e. hk, sg) than property investment. In the states/canada, property yield can easily go up to 8-9%, that's at least 2-3% above the borrowing rate.
here, unless you are extremely cash rich and is finding something to diversified your investment, else taking a loan and 'investing' in a property just does not make sense.