If we do some calculation base on the HDB re-sale transaction site. For example Toa Payoh EM, The EM is Toa Payoh transaction price is $435,000. With the COV is 20,000 then the total is unit price is $455,000. This does make sense with the latest release from HDB. On average of a Executive unit in Central is $453,800 with COV is 20,000. So if you want to know if you had pay too much or not, can go to the site and select your location and view the transaction price of it. Just a suggestion for making judgement