How can I upgrade to a bigger property?

My current 4-room HDB BTO has reached its MOP, and I'm wondering how I can upgrade to a bigger property. I have around $100K bank loan left, but I can pay off the loan with my OA. The intent is to for capital gains. My combined household income is over the EC income ceiling, so I can't apply for this unfortunately. What are the options available to me for this?