exclude central area, you can get a condo 3 bedder at around 1 to 1.2mil usually. but unlike hdb, you will need to pay at least 5% (out of 20% downpayment) in cash and 3% stamp duty (cash or cpf).. the high cost comes later. condo have a much higher maintenance cost compare to hdb. higher property tax, maintenance fee, no subsidy etc.

this means a 1mil condo cost much much more than a 1mil hdb (example pinnacle)

consider all other commitment like car, children, travel etc., you should get at least a combine income of 16k per mth before considering condo. you can consider EC instead.

for a avg civil servant to buy condo (assuming both u and ur hubby/wife) earns the same amount, you will probably takes about 20yrs minimum