Issues on competitiveness and sustainability frame the configuration of urbanization in Asia Pacific. The unpredictability and intermittency of extreme climate and weather events exacerbate the economic, societal and environmental sustainability of urban habitats. This exigency configures this article on the need to review the climate-proof finance for disaster-resilient infrastructure. Climate-change-triggered migration is rapidly growing, particularly in Asia. This article uses the complexity and sustainability viable systems model (VSM) to gauge the multiplicity of parameters on vulnerability of disaster-prone infrastructure. The assurance on sustainability while maintaining competitiveness is corroborated with the tenets of VSM utilizing the top-down-bottom-up alignment of disaster-proof financing. Outcomes of this article articulate the equilibrium between competitiveness and sustainability, as economic considerations outweigh the need for disaster-proof financing of infrastructure. Keywords Climate proofing, disaster resilience, complexity and sustainability viable systems model, top-downbottom-up assessment of urban infrastructure This article aims to research the assurance on sustainability while maintaining competitiveness with respect to urban climate-proof finance for disaster-resilient infrastructure. There is sparse evidence on top-down and bottom-up alignment of disaster-proof financing, in the extant literature. This emerges as a researchable gap to contribute to the conversation on environment and urbanization with a focus on Asia. Economic inequity in urban areas is a cognizable predicament that impacts competitiveness and sustainability. Such concerns precipitate issues on urban insecurity, safety-led anxiety and gender issues (Jones, 2005). Urban clutter exacerbates environmental degradation, water clogging and flooding. Such occurrences are largely attributable to the undeterred geographical expansion of a city (Douglass, 2010).