40/41, HH income $11,500 pm. Sold our HDB flat for $500k (bought at $200k many years ago and fully paid up). We used the $500k sales proceeds to buy a $860k condo in the OCR. Took a mortgage loan of $380k. Spent about $70k (from our cash savings) to renovate the resale condo.

You don't need a HH income of $19,000 pm to live in a condo. As long as you bought a cheap BTO flat, you can flip it and upgrade to a condo. We enjoy the peace, security, facilities and prestige that a condo offers. We are happy with our upgrade.