Max Safe Property Calculator for HDB Upgraders

Find out your maximum safe condo budget and whether your upgrade is financially secure — before you sell your HDB.

  • Built for Singapore HDB owners

  • Uses TDSR 50% + 9-month safety buffer

  • No obligation, no hard selling

Step 1: Check Your Maximum Affordability

Adjust the numbers below to see what price range is safe for your family — based on income, expenses, and a 9-month cash buffer.

Mortgage Affordability Calculator (MAS)

Estimate your maximum affordability under various MAS guidelines (TDSR & MSR).

1. Your Financial Profile

2. Loan Assumptions

MAS TDSR Max Loan Quantum is calculated using the required 4.0% stress test rate.

3. Affordability Results

Private Property (Max TDSR 55%)

Max affordability under the highest TDSR limit for certain investment/commercial properties.

Max Monthly Installment (Calculated at 55% TDSR)SGD 0
Max Loan Quantum (Stress-Tested at 4.0%)SGD 0
Total Affordability (Max Purchase Price)SGD 0

HDB/EC Affordability (MSR 30%)

Max affordability for HDB and ECs, limited by MSR (30% of Gross Income).

Max Monthly Installment (MSR Limit)SGD 0
Max Loan Quantum (Calculated at Your Rate)SGD 0
Total Affordability (Max Purchase Price)SGD 0

Real Estate Dad Recommendation (TDSR 45%)

A conservative recommendation for sustainable debt servicing on a private property.

Max Monthly Installment (Calculated at 45% TDSR)SGD 0
Max Loan Quantum (Stress-Tested at 4.0%)SGD 0
Total Affordability (Max Purchase Price)SGD 0

4. Overall Cash Funds Check

Checks if your funds cover the largest required downpayment and your 9-month emergency buffer.

Required Safety Buffer (9 Mths Expenses)

SGD 0

FUNDS REMAINING

SGD 0
SAFE

You now have a rough idea of your safe budget.
Next, let me help you with:A realistic valuation of your current HDB

Important Disclaimer

This Mortgage Safety Calculator is provided for **illustrative and informational purposes only**. The results are estimates based on your inputs and fixed regulatory assumptions (e.g., 4.0% TDSR stress rate, 30% MSR, 25% LTV) and **do not constitute professional financial advice**.

Your actual loan eligibility, interest rate, and specific financial situation may vary significantly. You should **always consult with a qualified professional, such as myself**, before making any financial decisions related to property purchase or financing.

For a personalized and comprehensive assessment, kindly seek professional advice to better assist you.

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Thank You

Thank you! I’ll send your personalised valuation within 1–2 working days.
If urgent, WhatsApp me directly.