Should I apply for Toa Payoh BTO with a combined monthly income of 6.2-6.5k before CPF?

Hi, i can do the maths breakdown for you, and determine how much Cash / CPF you need.

What i need from you is a bit more information.

1) Price of BTO you are buying?

2) Grant possibilities? - near your parents place etcetera

3) your ages

I think a conservative gauge is for your monthly mortgage not to exceed 30% of monthly income (regardless hdb or bank loan). This is to allow some leeway in the event you want to get a car or renovation loan. And you should consider if you can build up your emergency funds while paying for your mortgage, which if important for rainy days.
Also, remember bidadari has plenty of new btos which have met their MOPs and are available for sale by the time you want to sell. So selling at a good time and good price may not be within your control. I would want to avoid situations where I am forced to sell it urgently at a lower than desired price.