Free · Takes 30 Seconds · No Login Needed

What is your
HDB flat
worth today?

Enter your postal code. Get a free instant estimate of your HDB value — plus what a nearby condo gained while you waited, and whether now is the right time to make your move.

Your HDB Postal Code
Your Flat Type

Building your UpgradeIQ Report…

—

Your UpgradeIQ Report

—

218+
Families Guided
$50M+
Transacted
Top 10%
PropNex 2025
65
5-Star Reviews
3×
SEAA Award Winner
The Window Is Narrowing

2026 is the biggest
MOP year in history

13,480 HDB families entering the resale market this year. More sellers means tighter pricing and a narrower upgrade window — for everyone.

HDB Flats Reaching MOP Per Year
Units (thousands) · Source: OrangeTee, HDB
12k
2022
9k
2023
10k
2024
7k
2025
13.5k
2026
18.9k
2027*
21.4k
2028*
Historical 2026 — Peak Year Forecast
+89%
Condo growth since 2010
+77%
HDB growth since 2010

Gap widens every year. Your HDB equity is real — but grows slower than what you are upgrading to. Source: URA, HDB 2010–2026.

Real Families. Real Decisions.

Families who made
the move with clarity

The families who act on what they know tend to move further, faster.

F
Fairuz & Hidayah
Sengkang 5-Room → Rivercove Residences
★★★★★

"Andik was the first agent who told us what we actually had — not what we wanted to hear. He ran our numbers properly and we upgraded 6 months later at exactly the price he estimated."

R
Rasyid & Noraini
Tampines 4-Room → Treasure at Tampines
★★★★★

"We thought we couldn't afford a condo. Andik showed us our CPF position, our actual loan ceiling, and exactly which condos were in our range. We bought within 3 months."

H
Hisham & Suriani
Woodlands 4-Room · Timing optimised
★★★★★

"What I appreciated most was that Andik told us to wait 8 months. He calculated that our CPF refund would be lower than expected. That honesty saved us from a bad decision."

65
⭐ 5-Star Google Reviews
From families who made decisions with data, not pressure.
Why Families Trust Andik

Not here to push you.
Here to show you the numbers.

I've sat with over 218 families at this exact crossroads. Most came in thinking they couldn't afford it. Most left with a clear plan. The ones who waited without a plan? Still waiting, watching the gap widen.

🏆
Top 10% PropNex Producer 2025
Singapore's largest real estate agency
🎖️
SEAA Award 2021, 2022 & 2023
Singapore Real Estate Agents Excellence
📊
BSc Business — Finance & Investment
The numbers behind every recommendation
👨‍👩‍👧‍👦
8+ Years · 218+ Families Guided
HDB upgraders, right-sizers, first-time private buyers

"Andik told us to wait 6 months before listing. He ran our CPF numbers first. That one conversation saved us from a decision that would have cost us six figures."

— Past client, Yishun 4-Room

1 Valuation Intelligence

What your block is worth right now

—
Conservative
—
—
Optimistic
Block Street Flat Type Floor Range Area (sqm) Build Year Sale Date Price

* Estimated range based on last resale transactions of similar HDB blocks (same town, same flat type, build year ±3 years). Indicative only — not a professional valuation.

2 Wealth Gap Analysis

What the condo path built instead

If a family bought the nearest qualifying condo the same year your BTO was ready — here's the wealth difference over the same ~5 year window.

Nearest Qualifying Condo
—
—
Est. current value
—
Growth (5 yrs)
—
Absolute gain
Your HDB estate appreciated (est.)
—
Condo path grew
—
If you had bought that condo instead
—
estimated profit
—
Why the gap is this large
① Bigger asset, same growth rate. A condo at S$1.4M growing 28% generates S$317K. Your HDB at S$470K growing 23% generates S$89K. Same percentage, very different absolute number.
② Leverage amplifies returns. The condo buyer used a bank loan to control a S$1.4M asset. Their own cash outlay was much smaller — yet they captured the full capital gain.
③ This compounds every 5 years. The family that upgrades now enters the next cycle at a higher asset value. The gap between them and those who wait doesn't close — it grows.

—

One Step Left

See your full UpgradeIQ score

Your Market Timing Radar and Upgrade Readiness Score tell you whether 2026 is actually your window — based on your specific block and current market data.

The Next 80%

Knowing your number is just
20% of the upgrade.

You've seen the gap. The number is real. But it doesn't tell you whether your family can actually close it.

That answer depends on three numbers most upgraders never calculate properly — and the families who get them wrong are the ones who end up stuck halfway through the move.

①
Your real sales proceeds
Not the resale price. The cash you actually pocket after CPF refund (with accrued interest), agent fees, and outstanding loan. For most MOP upgraders this is 30–50% lower than they expect.
②
Your TDSR / MSR ceiling
Banks treat your existing HDB loan as still active until completion. This caps your condo loan eligibility in ways that surprise most upgraders — often by S$200K or more.
③
The property tier you can actually afford
Not the one Instagram shows you. The one your numbers support — with comfortable margin, not stretched to the edge. This determines your shortlist.

Get these three numbers right and the upgrade math becomes simple. Get them wrong and you're either over-leveraged for 25 years, or you walk away from a S$300K wealth gap because the bank said no in week 6.

Andik runs all three personally for every family before recommending a path.
That's why he limits consultations to 20 families per month. Your PDF brief is his first step in understanding whether the timing is right for you.
PropNex Realty Pte Ltd · Licence No: L3008022J
Andik Imran · CEA Registration No: R061801F
UpgradeIQ™ is a RealEstateDad SG tool · © 2026 · All Rights Reserved
Results are indicative only and do not constitute professional financial or property advice.