No-nonsense Guide to Upgrading HDB to Condo

Decoding Secrets on how HDB owners upgrade without using CASH savings!

YOU can be like them

property investment

Gain insights to my Dynamic Property Upgrading Concept

during our non-obligatory discussion, and get:

Stage 1: Comprehensive Presentation and understanding of Homeowner’s situation

Stage 2: Detailed Planning and available Opportunities

Stage 3: Definitive Execution Plan

Learn the SECRETS on how to upgrade to a condo without touching your saving and earn more than $180,000 in wealth today!

Yes! Learn how YOU can be like them. Limited FREE slot only.

I would like to invite you for a non-obligation discussion and share more how i can contribute to your property journey.

Case Study

Mr and Mrs Ho has been staying in a 4 room flat in Punggol with his family.

One month before the property reaches MOP in 2017, Mr Ho contacted me with a plan to rent out their flat.

I went through various property data and price trends, and realized that renting out their flat was not the best way to maximize their property investment.

singapore good property agent

Through my in-depth financial calculations and implementation of strategic plans for the owners, I recommended them to:

  • Invest in a property with potential appreciation as a priority
  • Utilize a low risk investment approach

So, I sold their Punggol flat and brought them to purchase a brand new 2-bedroom condo.

hdb upgrade to condo

They bought a 2 Bedroom new Condo


Upgrade to Private Condominium – WITHOUT TOUCHING THEIR SAVINGS! 🤩

upgrade to condo

They can even repay their monthly mortgage loan installments WITHOUT paying any extra cash from their own pocket.

Monthly Mortgage Installments – WITHOUT CASH TOO! 🤩

Then in 2019, after going through another round of detailed financial assessments, I had planned an asset progression road-map for them to buy another 1-bedroom resale condo with an existing tenancy to generate immediate rental income.

They had made more than $180k.

Do YOU want to be like them? Limited FREE slot only.

HDB Depreciation Curve

hdb price index
Source: HDB

The majority thinks that buying an HDB flat is a fool-proof investment – since we have seen huge profits being made through the selling of HDB flats in the past.

BUT do note that the selling price and the age of your HDB flat does not run parallel continuously and will eventually come to a decline.

If YOU are a homeowner, who aspires to upgrade your lifestyle and live in a private property, do not make the mistake of waiting for the right time.


YOU do not want to put yourself in a difficult position when you realized your HDB had lost too much in value.

Let me share with YOU how to maximize your asset so that when the opportunity strikes, you are ready to take action.

Learn WHEN to sell your house right! Limited FREE slot.

Don't Make This MISTAKE

Most HDB Owners today are servicing HDB loan using your CPF.

You might think that this is a great method to lessen your monthly burdens but is that really the case?

Case study:

Mr and Mrs Lee used combined 200k CPF funds for their flat.

Selling their HDB at the end of 5 years, they would have to return $226,281 to CPF. Which is $26,281 less cash from property sales proceeds.

Selling their HDB at the end of 10 years, they would have to return $256,016 to CPF. Which is $56,016 less cash from property sales proceeds.

Hence you see! WITHOUT applying the RIGHT CPF strategy, you WILL lose:

😰 2.5% interest that you could have earned from your CPF OA account


😰 2.5% accrued interest that you have to eventually return to your CPF OA account when you sell your house

Don't make this MISTAKE. Learn today to make the RIGHT choice

If YOU are not maximizing the BEST VALUE from your property and this decision could affect your potential financials in the next 5 to 15 years!

It will be best to avoid such MISTAKES!

Learn how YOU can make the right choices!

Never limit yourself from KNOWLEDGE!

Hi there! I am Rick Huang and I am enthusiastic to share effective Property Market strategies from my Dynamic Property Upgrading Concept.

With the help of Technology, Knowledge and Experience, I have successfully helped hundreds of homeowners since 2010 to improved their lifestyles and build up their property portfolio & wealth.

property agent review

How do I achieve

There is no Secret to my SUCCESS, only genuine hard work:

I will be guiding YOU personally from beginning-to-end with extensive action plans along our journey.

You will be assisted by me – someone who is passionate about creating potential value from market research and property investments.

What my clients say about me

I am writing in to compliment Rick Huang for his invaluable service, for the sale of my Esparina Residences. The process was complicated but he was able to empathize with my situation and also provide brilliant advice that ensure the smooth transaction. In all, I am appreciative with his professionalism and human touch in this journey. Thank you!

- Miss Claire (Seller of Esparina Residences)
sell hdb buy condo

As a investor interested in taking advantage of the booming property market in Singapore, I needed a realtor with in-depth knowledge of the local market. Using his understanding of the various sectors of the market, Rick generated a investment progression report and we decided to buy a condominium in a choice area with huge potential for multiple returns in the future. Thanks Rick, I will definitely be doing business with you for a long time!

- Mr Tony (Buyer of Parc Riviera)

Rick is a very down to earth person. No hard sell or pushy technique. He helped us in planning for upgrade and showing us how to invest in property with in depth property analysis report.

- Mr Liew (Seller of Blk260c Punggol)

FREE when you sign up - Limited Period

property investment

Gain insights to my Dynamic Property Upgrading Concept during our non-obligatory discussion, and get:

Stage 1

  • I will personally run through in-depth financial assessment for YOU


  • YOU will learn about the current property market and analysis


  • We will discuss in details on YOUR situation, lifestyle preferences and property requirements

Stage 2

  • Recommend personalized opportunities for YOU


  • Propose CPF utilization plan specially for YOU


  • Evaluate YOUR Risk assessment

Stage 3

  • A customized plan with strategic timeline to guide YOU through key milestones


  • Effective multi-platform marketing to get the best deal for YOUR property


  • A tailored property wealth progression road-map for your comfortable retirement

Less than 32% made the RIGHT choice. LEARN Today

Self Introduction

Hi, I am Rick Huang, Associate Deputy Group Director of OrangeTee & Tie.

CEA number: R026818Z

Hp: 9369 4797

Looking forward to be in touch with you!

Disclaimer: The case studies and information are for educational use only and we make no representation or guarantees with respect to the accuracy, applicability, or completeness of its contents. There shall be no liability for any loss or expense whatsoever, relating to investment decisions made by the reader.

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