Here is my Cut and Paste:

How to tell if I need 3-phase power?

Basically, you should consider switching to a three-phase wiring for the following reasons:

#If you have a high electricity usage at home, or more specifically, if your electrical usage exceeds 50 amps or 10 kW

#If your circuit breaker is constantly tripping because of an overload of your supply

#You have an electrical machinery or device that consumes a lot of power

#You have 3 or more air conditioners running at the same time

#If your house has multiple plug sockets and water heaters, it’s advisable to switch to a three-phase wiring as well to prevent frequent power trips and an overload of your fuse box

“Generally, if you have 3 or fewer air-conditioning units, and each are between 1 – 1.5 horsepower, you should be fine with single-phase power. But if the horsepower of your ACs are higher, consider changing to three-phase to prevent power trips” – Ganesan, an electrician from Megah Global Electrical and Construction.

The current rating to TNB meter is 10A~100A. So, the size of meter cables shall not exceed 35 sq.mm. Developer gave you 32A fuse probably to reduce cost. I went back home one day and found fuse was blown. Someone stole ground copper at TNB sub-station. I had transformer in microwave oven and phone adapter broken. Other house has air-con and plasma tV broken.

I went to nearby electrical shop and replace the 32A fuse to 63A fuse until now. Either the fuse or just luck, my house has only two devices broken. The fuse to prevent extensive damage during over-current condition.

Anyway, the main incominf switch is 63A. So, it is safe to change to 63A. No, you don't need TNB permission to change it to 63A

This probably the developer practice. I've seen Semi-D two-story house were given 32A. Is this still consider small house? TNB will still approve because not against their rule

I guess for apartment, you do not have access to electrical room because it is shared and under building management.

The ELCB did not trip because it is rated at 63A I believe. Electrical (actually electronic) appliances do get damage first before circuit breaker trip because it is not fast enough, in general. SO, you need a fast surge protector for additional protection but damage may still be possible.