Now is a good time to upgrade from HDB flat to condo.

Sell your flat at $600k, use the cash for downpayment for a $800k condo.

Loan $200k and pay it off in 10 years. No problem if your combined income is at least $100k pa.

But make sure you do not waste on a car, drinking, smoking, dining in expensive restaurants twice a week, gambling or womanising. Sure money no enough if you indulge in these.