Be glad that you have a high pay than most others. For real estate industry, the recent and probably future trend is on affordable housing. Helping the M40 and B40 to own a property through various campaign and incentives.

For HOC, as long as it fulfill the criteria below then yes.

1. Direct purchase from developer only. Developer must be a member registered under REDHA (West Malaysia) SHEDA (Sarawak) or SHAREDA (Sabah)
2. Only Residential titled projects (price between RM300,001 to RM2.500,000)
3. Malaysian Citizenship
4. Purchase under individual or individuals name only

Then will be entitled for HOC package
1. Min 10% discounts
2. Stamp duty exemptions for MOT and loan (MOT up to RM1,000,000 property only. If RM1,000,001 to RM2,500,000 will subject to 3% stamp duty). Loan can get up to RM2,500,000 exemptions)

Hope this help.

Have you check with the developer on the package? In KK, some developers didn’t participate in HOC but still offer similar packages ...