i think this rule will do
c:[Type == "http://schemas.xmlsoap.org/ws/2005/05/identity/claims/upn"]
=> issue(Type = "User.username", Value = c.Value + ".stage");
as when AD is your claim provider, it already generates a claim "http://schemas.xmlsoap.org/ws/2005/05/identity/claims/upn" with the UserPrincipalName, and this rule simply set the right type and append the string .stage