Toby | The HDB Guy

@UCLFjvcc0XbCAqaqY0WnADug - 1.1K subscribers

Welcome to The HDB Guy, Toby here :) 🏡 💡 Here's a little secret to what I do... ✅ Sell your HDB for $20-30,000 ABOVE the last transacted price in your neighbourhood. ✅ Upgrade to a bigger, better home with a healthy cash balance after the upgrade (don't ask me how 🙊) ✅ With over 113 families helped and OVER 80% of them achieving record-breaking sales across Singapore, I'm here to guide you hehe 👉🏻 Subscribe and gain access to our EXCLUSIVE HDB SmartShift™ Strategy today 👇🏻

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$233,185 PROFIT by Buying HDB in this SECRET LOCATION?

$233,185 PROFIT by Buying HDB in this SECRET LOCATION? Toby | The HDB Guy

102 views - 6 days ago

UPGRADE to 4 ROOM HDB with Single Household Income

UPGRADE to 4 ROOM HDB with Single Household Income Toby | The HDB Guy

53 views - 1 week ago

97.98% Can Upgrade to an Executive Apartment after using this LOOPHOLE

97.98% Can Upgrade to an Executive Apartment after using this LOOPHOLE Toby | The HDB Guy

130 views - 2 weeks ago

How this HDB OWNER made $300,000 Profit by buying at this LOCATION?

How this HDB OWNER made $300,000 Profit by buying at this LOCATION? Toby | The HDB Guy

272 views - 3 weeks ago

How Families Are Upgrading from a 3-Room to a 5-Room Without Burning Through Their Savings

How Families Are Upgrading from a 3-Room to a 5-Room Without Burning Through Their Savings Toby | The HDB Guy

246 views - 4 weeks ago

How to UPGRADE from a 3-Bed HDB to a 3-Bed CONDO Without Stress

How to UPGRADE from a 3-Bed HDB to a 3-Bed CONDO Without Stress Toby | The HDB Guy

233 views - 4 weeks ago

4-Room HDB to Bigger Home : How Families UPGRADE Without Financial Pressure

4-Room HDB to Bigger Home : How Families UPGRADE Without Financial Pressure Toby | The HDB Guy

274 views - 4 weeks ago

Can you really make money from EXECUTIVE HDB's?

Can you really make money from EXECUTIVE HDB's? Toby | The HDB Guy

143 views - 1 month ago

Why Families Who Can Afford Condos Still Choose HDB?

Why Families Who Can Afford Condos Still Choose HDB? Toby | The HDB Guy

7.6K views - 1 month ago

Executive HDBs Explained: Lease, Price, Demand and Exit Strategy

Executive HDBs Explained: Lease, Price, Demand and Exit Strategy Toby | The HDB Guy

293 views - 1 month ago

How to upgrade to EXECUTIVE UNIT in just 21 Days and SELL at HIGHEST PRICE

How to upgrade to EXECUTIVE UNIT in just 21 Days and SELL at HIGHEST PRICE Toby | The HDB Guy

190 views - 3 months ago

7 Government Moves That Will Change HDB Prices by 2026

7 Government Moves That Will Change HDB Prices by 2026 Toby | The HDB Guy

4.2K views - 3 months ago

35 or 32? The Truth About Singapore’s Singles Rule & What Happens in 2026

35 or 32? The Truth About Singapore’s Singles Rule & What Happens in 2026 Toby | The HDB Guy

485 views - 3 months ago

Lease Buyback Scheme: What Singaporeans Must Know in 2026

Lease Buyback Scheme: What Singaporeans Must Know in 2026 Toby | The HDB Guy

881 views - 3 months ago

$1.5M HDB vs $3M Condo: Which Actually Makes More Money?

$1.5M HDB vs $3M Condo: Which Actually Makes More Money? Toby | The HDB Guy

275 views - 3 months ago

90% of HDB Owners Still Don’t Know THIS About VERS & HIP 2

90% of HDB Owners Still Don’t Know THIS About VERS & HIP 2 Toby | The HDB Guy

709 views - 3 months ago

I Just Set A New National Record $2055 psf For Resale EC

I Just Set A New National Record $2055 psf For Resale EC Toby | The HDB Guy

10.1K views - 4 months ago

2026 HDB Market EXPOSED: Why Prices Could Fall 8%

2026 HDB Market EXPOSED: Why Prices Could Fall 8% Toby | The HDB Guy

32.1K views - 4 months ago

Don’t Fall for This Property Trap The Truth About Upgrading in Singapore

Don’t Fall for This Property Trap The Truth About Upgrading in Singapore Toby | The HDB Guy

9.2K views - 4 months ago

5 Reasons Why Most Sellers Miss Out on 20%+ of Their HDB’s Value

5 Reasons Why Most Sellers Miss Out on 20%+ of Their HDB’s Value Toby | The HDB Guy

42.8K views - 4 months ago

Buy A $1,000,000 HDB with NO cash

Buy A $1,000,000 HDB with NO cash Toby | The HDB Guy

8.6K views - 4 months ago

Retire with 2-Room Flexi: Good or Not?

Retire with 2-Room Flexi: Good or Not? Toby | The HDB Guy

22.8K views - 4 months ago

How NOT To Buy A HDB in 2026

How NOT To Buy A HDB in 2026 Toby | The HDB Guy

19.1K views - 4 months ago

Don't sell your HDB if you haven't watched this video

Don't sell your HDB if you haven't watched this video Toby | The HDB Guy

22.4K views - 4 months ago

Best Time to Sell Your HDB? (Singapore Market Cycle Explained)

Best Time to Sell Your HDB? (Singapore Market Cycle Explained) Toby | The HDB Guy

15.8K views - 4 months ago

HDB: Asset vs Rent (99-Year Lease)

HDB: Asset vs Rent (99-Year Lease) Toby | The HDB Guy

17.1K views - 5 months ago

HDB CPF Grants Made Simple

HDB CPF Grants Made Simple Toby | The HDB Guy

8.2K views - 5 months ago

This may be the best BTO launch since COVID-19 (Oct 2025)

This may be the best BTO launch since COVID-19 (Oct 2025) Toby | The HDB Guy

8.2K views - 5 months ago

Should You Use CPF or Cash to Pay Your HDB Mortgage?

Should You Use CPF or Cash to Pay Your HDB Mortgage? Toby | The HDB Guy

2.1K views - 5 months ago

How Important Is School Proximity When Buying HDB?

How Important Is School Proximity When Buying HDB? Toby | The HDB Guy

88 views - 5 months ago

Should You Use CPF or Cash To Pay For Your House?

Should You Use CPF or Cash To Pay For Your House? Toby | The HDB Guy

338 views - 5 months ago

Should You Pay More Premium for an Executive Apartment or Maisonette?

Should You Pay More Premium for an Executive Apartment or Maisonette? Toby | The HDB Guy

195 views - 5 months ago

Does Floor Level Really Matter? The Truth No One Told You

Does Floor Level Really Matter? The Truth No One Told You Toby | The HDB Guy

482 views - 6 months ago

Should You Buy a 40-Year-Old Flat? is it worth it?

Should You Buy a 40-Year-Old Flat? is it worth it? Toby | The HDB Guy

2.5K views - 6 months ago

Don’t Buy Your Flat Until You Watch This Loan Breakdown

Don’t Buy Your Flat Until You Watch This Loan Breakdown Toby | The HDB Guy

281 views - 6 months ago

How to Upgrade to a $1M HDB - It is less than you THINK

How to Upgrade to a $1M HDB - It is less than you THINK Toby | The HDB Guy

215 views - 6 months ago

Stop Overpricing! The #1 Mistake Killing Your Sale

Stop Overpricing! The #1 Mistake Killing Your Sale Toby | The HDB Guy

148 views - 6 months ago

Upgrade to a 5-Room Flat on $8K Salary? Let’s Do the Math.

Upgrade to a 5-Room Flat on $8K Salary? Let’s Do the Math. Toby | The HDB Guy

226 views - 6 months ago

Why 2026 May Be the Worst Time to Sell Your Flat

Why 2026 May Be the Worst Time to Sell Your Flat Toby | The HDB Guy

1.6K views - 6 months ago

BTO Owner? This HDB Rule Can Get Your Flat Taken Away

BTO Owner? This HDB Rule Can Get Your Flat Taken Away Toby | The HDB Guy

1.5K views - 6 months ago

HDB Prices Dropping? Here’s How to Sell at a Record Price Anyway

HDB Prices Dropping? Here’s How to Sell at a Record Price Anyway Toby | The HDB Guy

3.5K views - 6 months ago

Million Dollar HDB? CPF Refund? Here’s What You Got Wrong

Million Dollar HDB? CPF Refund? Here’s What You Got Wrong Toby | The HDB Guy

169 views - 7 months ago

The Smartest Way to Upgrade Your HDB Without RENTING in 2025

The Smartest Way to Upgrade Your HDB Without RENTING in 2025 Toby | The HDB Guy

392 views - 7 months ago

Is It STILL Affordable to Upgrade from a 3-Room HDB in 2025?

Is It STILL Affordable to Upgrade from a 3-Room HDB in 2025? Toby | The HDB Guy

5.6K views - 7 months ago

Will Singapore’s Property Prices Go Up In 2025?

Will Singapore’s Property Prices Go Up In 2025? Toby | The HDB Guy

262 views - 7 months ago

Don't Lose $100,000 Choosing The Wrong BTO

Don't Lose $100,000 Choosing The Wrong BTO Toby | The HDB Guy

306 views - 8 months ago

$2,000 Agent vs $12,000 Agent Which One Makes You More?

$2,000 Agent vs $12,000 Agent Which One Makes You More? Toby | The HDB Guy

244 views - 8 months ago

Do You Still Need a Property Agent in 2025?

Do You Still Need a Property Agent in 2025? Toby | The HDB Guy

141 views - 8 months ago

Is Our HDB System BROKEN? What opposition wants to CHANGE?

Is Our HDB System BROKEN? What opposition wants to CHANGE? Toby | The HDB Guy

963 views - 8 months ago

This HDB SUCKS. But I Sold It $30,000 HIGHER Than Everyone Else

This HDB SUCKS. But I Sold It $30,000 HIGHER Than Everyone Else Toby | The HDB Guy

28.7K views - 9 months ago

GE2025 : Are HDB PRICES Going to Skyrocket by 2025?

GE2025 : Are HDB PRICES Going to Skyrocket by 2025? Toby | The HDB Guy

12.2K views - 9 months ago

Why Singaporeans REGRET after buying their DREAM HDB?

Why Singaporeans REGRET after buying their DREAM HDB? Toby | The HDB Guy

4.2K views - 10 months ago

Most Singaporeans Lose $100,000 Buying a Resale HDB Here's Why

Most Singaporeans Lose $100,000 Buying a Resale HDB Here's Why Toby | The HDB Guy

27.5K views - 10 months ago

Cash-Over-Valuation: Should YOU Pay For It?

Cash-Over-Valuation: Should YOU Pay For It? Toby | The HDB Guy

562 views - 10 months ago

Are HDB Grants a trap??

Are HDB Grants a trap?? Toby | The HDB Guy

18.1K views - 10 months ago

CPF Accrued Interest: Why Your Sale Profits Might Disappear

CPF Accrued Interest: Why Your Sale Profits Might Disappear Toby | The HDB Guy

6.3K views - 11 months ago

What Did PM Wong Really Say About Housing in Singapore?

What Did PM Wong Really Say About Housing in Singapore? Toby | The HDB Guy

5.4K views - 11 months ago

$200K Profit from an HDB… But Isn’t It Not an Investment?

$200K Profit from an HDB… But Isn’t It Not an Investment? Toby | The HDB Guy

554 views - 11 months ago

$1M HDB: Can You Really Afford It?

$1M HDB: Can You Really Afford It? Toby | The HDB Guy

5.5K views - 11 months ago

$750K HDB Sold… But Only $200K in Cash?

$750K HDB Sold… But Only $200K in Cash? Toby | The HDB Guy

7.5K views - 11 months ago