HDB BTO Affordability Calculator Singapore 2026
Check your HDB BTO eligibility, housing grants (EHG + CPF Housing Grant), maximum HDB loan, and estimated monthly repayments. Based on 2024–2025 HDB policies.
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✓ You likely meet the income ceiling for this flat type (max $14,000/month household).
Household monthly income$9,000
Typical 4-room BTO price (indicative)$350,000 – $700,000
Grants (first-timer couples)
EHG (income ≤ S$9K)Not eligible
CPF Housing Grant$80,000
Total grants$80,000
Affordability (mid-range price)
Mid-range price ($525,000)
Less: Total grants–$80,000
Less: CPF OA used–$80,000
HDB loan needed$365,000
Max HDB loan (MSR 30%)$393,750
Monthly payment (2.6%, 25yr)$1,656
✓ Affordable — monthly payment $1,656 is within MSR limit ($2,700/month).
Indicative only. BTO prices vary by location, floor, and launch. Grant eligibility depends on first-timer status, citizenship, and ownership history. Verify with HDB.gov.sg before making any decisions. Income ceiling and grant figures based on 2024–2025 HDB policies.
HDB Housing Grants Summary
| Grant | Max Amount | Eligibility |
|---|---|---|
| Enhanced Housing Grant (EHG) | S$120,000 | SC/SC couples; income ≤ S$9K; first-timers; BTO or resale |
| CPF Housing Grant (CHG) — SC/SC | S$80,000 | SC/SC first-timer couples; BTO flats |
| CPF Housing Grant (CHG) — SC/PR | S$40,000 | SC/PR first-timer couples; BTO flats |
| Proximity Housing Grant (PHG) | S$30,000 | Buying resale within 4km of parents/married child |
| Singles Grant | S$40,000 | SC singles ≥35; resale 2/3/4/5-room; income ≤ S$7K |
HDB Loan vs Bank Loan
HDB Concessionary Loan
- • Rate: 2.6% p.a. (0.1% above CPF OA)
- • LTV: up to 75% (BTO), 80% (resale with grants)
- • Downpayment: 10% (fully CPF)
- • Prepayment: no penalty
- • Eligibility: income ceiling applies
Bank Loan
- • Rate: variable ~3–4% p.a. (SORA-pegged)
- • LTV: up to 75%
- • Downpayment: 25% (min 5% cash)
- • Prepayment: penalty during lock-in period
- • No income ceiling restriction