Why more HDB Owners are choosing to upgrade
From financial gains to lifestyle perks - upgrading is about more than just moving house.
Build Long-Term Wealth
Condos and ECs often grow in value faster than older HDBs — helping you grow your property wealth.
Lifestyle-Focused Living
Enjoy condo-style facilities like pools, gyms, and greater privacy — not just on staycations.
Smarter Financing Options
Use your CPF, flat sale proceeds, and even grants to upgrade — often with little to no cash upfront.
More Freedom & Flexibility
No more HDB rules. Rent out your place, sell when you want, and buy on your terms.
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Condos Outpaced HDBs by 226.63% — Are You Missing Out?
Condos have shown a +226.63% increase in value, far outpacing HDBs
Over the past two decades, condos have grown 226.63% in value, far outpacing HDBs. This isn’t just a chart — it’s proof of what upgrading can do for your wealth.
While your HDB may have appreciated, private properties typically outperform in the long run. Many Singaporeans have already made the shift — gaining better returns, more freedom, and a better lifestyle.
Want to know if you're in a position to do the same? Let’s work out your numbers and explore your options — no pressure, just clarity.
Frequently Asked Questions
Can I upgrade if I still have an HDB loan?
Yes — and many people do. You’ll usually pay off your HDB loan using the sale proceeds from your flat, then take on a new home loan for your next property. We’ll help you work through the steps and see if it’s doable.
What if I don't have a big cash savings?
It’s still possible. Most upgraders use their CPF and flat sale profits to cover the majority of costs. In many cases, little or no upfront cash is needed — especially with smart loan structuring and available grants.
Do I qualify for an Executive Condo (EC)?
That depends on your income and citizenship. Generally, you’ll need to be a Singaporean or PR household with a combined monthly income under $16,000. We’ll check all eligibility criteria for you so you don’t have to guess.
What’s the difference between an EC, Executive Maisonette, and private condo?
Each option has its pros and cons.
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ECs: more affordable but come with eligibility conditions
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Executive Maisonettes: Older, but very spacious and often well-located.
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Private condos: More expensive but fully flexible with top-tier amenities.
We'll help your figure out which fits your lifestyle and finances best.
How do I know if now is the right time to upgrade?
It depends on your current flat’s value, your finances, and the current market. A personalised assessment can tell you whether it's better to move now - or wait. Either way, knowing you numbers will help your decide confidently.
Is your consultation really free?
Yes — 100% free and zero pressure. You'll get expert insights on what you qualify for, how much you can afford, and your options - no sales pitch, no obligations.
What Our Clients Are Saying
“Our family needed more space and a better environment for our kids. The team at KakiHomes made our transition to a new condo seamless and stress-free. We're thrilled with our new home and the fantastic amenities. Highly recommend their expert guidance and personalized service!"”
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Melissa Tan, upgraded from HDB to a condo in 2023
Get Your Personal Upgrade Plan - Free
We'll calculate:
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Your estimated home value
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What properties you can afford
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How much CPF or cash is really needed
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Your loan eligibility and next steps​
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No pressure, no obligation - just clarity.
Disclaimers
Although we have taken reasonable efforts to ensure the accuracy of the information on this website, neither the developer nor its authorized representatives make any guarantees regarding its completeness or correctness. To the maximum extent permitted by law, all details, statements, and representations provided here should not be construed as factual assertions, contractual offers, or warranties (whether express or implied) by the developer or its agents. These do not constitute part of any sales agreement for residential units. ​ Please be aware that all visual content, including images, illustrations, and renderings, are artistic interpretations and may not reflect actual conditions. The selection of materials, fittings, fixtures, finishes, appliances, and equipment—including brands, colors, and models—is subject to the architect’s and developer’s discretion, market availability, and regulatory approvals. ​ The information on this website is current as of its publication date but may be updated or modified as required by authorities or at the developer’s sole discretion. All stated floor areas are approximate and subject to final verification.
Propnex Realty Pte. Ltd.Licence number | L3008022J​
CEA Licensed Real Estate Representatives:​ Benice Lau R059459A | Joyce Lee R052349Z