Videos
Teaching you insanely actionable asset building and how you can retire like a boss using your HDB or Condo.
Can you actually afford to hold this property — through a downturn, a rate hike, or a black swan?
The Holding Power Calculator is a free, self-check tool used by Singapore HDB upgraders. Calculate your real cash position, CPF refund impact, and stress-tested cashflow — before you commit to anything.
No email required · Opens directly in Google Sheets · Make a copy to save your inputs
Most upgraders aren't worried about getting approved. They're worried about what happens after.
The mortgage that resets in year three. The interest rate that doesn't stay at 2.6%. The bonus that doesn't come. The job that shifts. The renovation that runs over.
Being house-rich and life-poor isn't a hypothetical — it's the most common outcome for upgraders who only calculated whether they could buy, not whether they could hold.
Three numbers that decide whether you should move.
Most buyers only see the loan approval. The calculator surfaces the three numbers your bank won't tell you.
Your real sale proceeds
Cash + CPF after accrued interest refund. Not the headline sale price — the actual amount that lands in your account and CPF.
Stress-tested affordability
Your monthly mortgage modelled at 4% interest, not today's 2.6%. The number that matters when rates reset.
Your real cashflow buffer
How many months you can hold the property with no income coming in. The single most important number for any upgrader.
Preview of the actual Holding Power Calculator dashboard.
Razif & Alyssa: Executive Apartment owners in Tampines, upgrading to a $1.925M condo.
Both 43, dual-income $16K/month, MOP'd 2025. The calculator surfaced one finding that changed how we structured the deal — and protected their holding power for the next 20 years.
The Profile
The Numbers After Sale
Names changed to protect client privacy. Property type, financial figures, and analytical structure are real. Accrued interest estimated at ~12% of CPF used; actual figure depends on individual contribution timeline. Stress test modelled at 4% over 30-year tenure.
The process holds up across different starting points.
Six families who used the same framework — different price points, different timelines, same approach to risk.
"Smooth · Contactable · Results-Driven"
"Awesome experience with HeroHomes. Heikal made the transaction smooth and easy — always contactable whenever we had questions. We bought Wandervale in Aug '23, and by Nov '23 the last transacted price for a similar unit was more than $100K above what we paid. Results speak for themselves."
"Hardworking · Friendly · Exceeded Expectations"
"HeroHomes exceeded our expectations. Heikal, Haziq, Norida, and Glen were an absolute pleasure to work with — hardworking, experienced, and professional. What stood out most was their friendly and approachable nature, making the entire process seamless and enjoyable."
"Impartial · Persistent · Zero COV Purchase"
"Heikal and Syafiq were pivotal in our decision to upgrade to an EM — their impartial advice and Syafiq's personal perspective helped us navigate a decision that wasn't easy. They persisted with aggressive viewings even through Hari Raya, ultimately securing our first offer without COV. Their astute pricing advice and extensive network closed the deal within a single weekend."
"Knowledgeable · Caring · Highly Recommended"
"Our experience with HeroHomes was exceptional. Their in-depth knowledge of the local market provided valuable insights on property values and investment opportunities. Communication was excellent throughout — always updated, always available. Most importantly, we felt genuinely cared for as clients."
"Professional · Above & Beyond · Stress-Free"
"Heikal and Ashraff were incredibly knowledgeable and took the time to understand my needs throughout the selling process. What really stood out was their professionalism and dedication — always available, always going above and beyond. They made the entire experience stress-free and seamless from start to finish."
"Patient · Attentive · Seamless Teamwork"
"Heartfelt thanks to HeroHomes for their excellent service in helping us sell and purchase our home. Heikal was patient, attentive, and took the time to explain every detail. Norida, Karin, and Glen each played their part efficiently — the teamwork was seamless. Their professionalism and dedication made the entire experience a pleasant, stress-free one."
The H.O.M.E. process.
What working with Heikal looks like. Not a sales funnel — a decision framework.
Honest numbers
No inflated projections. No best-case-scenario selling.
Open about risk
Downside scenarios are surfaced, not glossed over.
Methodical timeline
Sell-buy coordination planned to the week, not the month.
Exit strategy mapped
Every entry decision is checked against your future buyer.
Run your own numbers before anyone else does it for you.
The calculator is free, self-serve, and gives you a clear go / no-go signal in under 15 minutes.
Click File → Make a copy · Save to your Google Drive · Inputs save automatically in your copy