Officially Decision Made

Finally, today we managed to talk calmly and amicably to conclude the end of this marriage. At last, we can settle our next step to end this marriage like matured adults. I am not angry anymore with him 'cause for once a long time he was handle this matter like a gentleman.

Yes, miracles doesn't happen in my context. We are heading for a divorce...

The only thing we have to work out now is the HDB flat we are due to possess soon. The options I have been given to ponder:
1) Walk off from all this, divorce, and he will pay me back in cash/cheque for whatever penalty that HDB has decided to penalize me. He would also be paying back whatever deposit I have forked out in cash/cheque.
2) Wait for 2 years, waiting for him to turn 35 years of age, to fully possess the flat as a single. Then, he would be paying me whatever CPF being deducted from me during the collection of key and the monthly installment. However, in the meantime, I would be legally still married to him but in real fact, we ain't an item anymore. He would also be getting his family to move over to the new flat and rent out their current flat until he is 35 years old, during this 2 years, I would also be earning half of what the rental cost of their flat as a form of compensation.
3) Wait for 5 years, waiting to sell off the flat back into the property market and earn whatever profit possible from the sales of the flat. However, in the meantime, I would be legally still married to him but in real fact, we ain't an item anymore. He would also be getting his family to move over to the new flat and rent out their current flat until 5 years later, when the flat is sold. As above, I would also be earning half of what the rental cost of their flat as a form of compensation. In this way, I would not only get back whatever I had forked out from my CPF for this flat but also the profit made from the sales of it.

Now the part I have to consider before I made my decision:
- Bearing in mind that the above (2) and (3) is actually illegal in HDB context and no lawyers would draft this agreement black and white, how am I to ensure that I can trust his words for the monthly compensation during the 'separation' period?
- Bearing in mind that the above (2) and (3) is actually illegal in HDB context and no lawyers would draft this agreement black and white, how am I to ensure that when the time is ripe to sell the flat in 5 years time, he would give me the profit equally as agreed and not turn tables to fight with me for a huger portion of profit?
- What happens if they can't rent out his parents' flat smoothly, do I have to suffer the setback of no 'compensation' for those months when no one rents the flat? How would I know they would be truthful that the flat hasn't been smoothly rented out and the charges for rent?
- What if in 5 years, property market crashes? I would have to end losing money or hold onto the flat longer before selling it for a reasonable amount of profit?
- Can I really wait for 2 years or 5 years? What if I really do meet someone else suitable for me?
- Can he really wait for 2 years or 5 years? What if he does meet someone else suitable for him and he wants to settle down by then? Although, he currently claims he wants to remain single and concentrate on building his career, but we all know when cupid strikes, love can't be avoided?

Any advises from people out there?