How to utilize HRA to the max if you’re living at your own house?

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You won't be able to claim.
https://m.economictimes.com/real-estate/hra-home-loan-and-your-taxes/slideshow/18230188.cms

There is only one way by paying the rent(HRA/12) per month to your parents/grandparents.

The HRA amount for tax exemption is calculated by 3 ways. The minimum of all 3 is exempted.
Try this link to calculate your taxable HRA https://cleartax.in/paytax/HraCalculator

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