Simply can make it so that once you have a child, the HDB loan will be written off and no more mortgage payments. Then government will support the cost of living and raising the child by ensuring the child items, pampers, milk powder etc all heavily subsidized and a weekly allowance for the child at an amount of S$1500 similar to how USA foster parents get from the state government?
The tax-free monthly stipend meant strictly to help cover the cost of the child's needs, such as food, clothing, shelter, and school supplies.
Nationwide, this standard base stipend generally ranges from $400 to $1,200 per month per child.