Madam Chen was walking to the toilet of her two-room rented flat when concrete pieces from her kitchen ceiling landed just in front of her.
This happened at Block 51 Marine Terrace in the wee hours of Monday morning (Feb 6).
The crash was so loud that their neighbour from a lower floor came up to find out what was happening.
It was not the first time that Madam Chen, 70 years old and her husband Mr Lee, 75 years old, have experienced spalling concrete in their flat. However, this incident was more serious than the previous occasion as the chunks that fell were about the size of a mahjong table.
Officers from the Housing Development Board visited the flat on Monday itself. Temporary repair work was done to prevent more concrete from spalling.
The block is 43 years old. The couple have been living in it for 18 years.