10/08/2026
Would I upgrade from HDB today? 🤔
If my household income is around $16K/month, would I consider moving into a $2M condo?
Maybe. But I wouldn't start with the $2M price tag.
I'd look at:
🏠 How much I can get from selling my HDB
💰 How much CPF both of us can contribute
💵 Whether the monthly payment is comfortable
💳 How much cash we need upfront
⏳ How long we're prepared to stay
📈 What is happening around the property
And this is the part I think many people overlook:
What will make people want to buy this home from me 10 years from now?
New MRT?
New developments?
New amenities?
Better connectivity?
More people moving into the area?
A condo isn't automatically a better investment just because it's a condo.
The location, entry price, future development and demand still matter.
And if you're around 35–45, you may be at a useful stage to start looking at the upgrade — not because there's a magic "right age", but because income, CPF, family needs and your remaining working years can all come together.
Don't upgrade just because you can.
Upgrade because the move makes sense for where you want your family to be 10 years from now.
📩 Thinking about upgrading from HDB? DM me "UPGRADE" and let's work through your options.