Sounds reasonable to me.

Many condos today are built with every wall being a load bearing wall and hacking into it especially if it is done by your average bangla worker might just cause issues with it.

Also RM500k for a condo is nothing these days.

Get on with it.

It isn't really about margin of safety, the problem will come up in the event everyone starts doing it. Easier to blanket ban everyone from doing it therefore no issue of this person can do it why can't I.