Editorial Policy
Every figure on this site is a number someone may use to decide whether they can afford a home. This page states exactly where those numbers come from, how often we check them, which of them are estimates rather than published figures, and how to tell us when we have got one wrong.
Who writes this site
HDB Calculator SG is written and maintained by the HDB Calculator Team — a small independent team that builds free calculation tools for Singapore home buyers. We publish under a team byline rather than individual names. The accountability that matters here is not a personal biography: it is a named source and a verification date attached to every figure, which is what the rest of this page sets out.
We are not affiliated with, endorsed by, or connected to the Housing & Development Board (HDB), the Central Provident Fund (CPF) Board, the Monetary Authority of Singapore (MAS), or any Singapore government agency.
Where every number comes from
We use three primary sources, and no others, for rates, grant amounts, income ceilings and eligibility rules.
| Source | What we take from it | Examples on this site |
|---|---|---|
| Housing & Development Board (HDB) | Flat eligibility rules, HDB concessionary loan terms, loan ceilings, resale levy amounts, downpayment rules | HDB loan rate, loan ceiling, resale levy by flat type |
| CPF Board | Housing grant amounts and income ceilings, CPF usage rules for property | EHG, CPF Housing Grant, Proximity Housing Grant, Step-Up Grant |
| Monetary Authority of Singapore (MAS) | Debt servicing limits that cap what any lender may offer | Mortgage Servicing Ratio (MSR), Total Debt Servicing Ratio (TDSR) |
Sources: hdb.gov.sg, cpf.gov.sg, mas.gov.sg. Grant figures last verified against the official pages on 27 June 2026.
We do not use property portals, agent blogs, forum posts or news summaries as a source for any figure. Where a page cites a market statistic rather than a rule — a typical BTO waiting time, for instance — it names its source on the page.
Figures live in one file, not in the text
Every rate, grant amount, income ceiling and levy used anywhere on this site is governed by a single data file, grant-rates.js. The calculators read that file directly, so what they compute is always the current figure. Guide pages are written from the same file and checked against it at each review, and a figure is only allowed onto a page if it is in that file or carries its own named source.
This is a deliberate accuracy control, and we hold ourselves to it: the August 2026 review checked all 14 content pages against the data file figure by figure and found eleven that had drifted, every one of which was corrected before that review date was published. We are moving the guide pages onto generated figures so drift becomes impossible rather than merely detectable.
When a figure changes at the Budget or the National Day Rally, it is updated in that one file. It records its own verification date and the exact official URLs it was checked against.
Where we use an estimate, we say so
We never invent, round up, or extrapolate a rate, grant amount, income ceiling or eligibility threshold. If we cannot source a number, we do not publish it.
One figure on this site is an estimate, and it is labelled as one everywhere it appears: the per-income-band breakdown of the Enhanced CPF Housing Grant (EHG). HDB no longer publishes a granular band-by-band EHG table. It publishes only the maximum ($120,000 for eligible families, $60,000 for eligible singles) and the income ceilings ($9,000 and $4,500), and confirms each buyer's exact grant in their HFE letter. Our band table is reconstructed from the last published granular structure, uplifted to the current maximum. It is a planning estimate, not an official figure.
Your exact EHG amount is the one on your HDB Flat Eligibility (HFE) letter. Treat ours as a guide to what to expect, and confirm with HDB before committing to anything.
How often we review
Singapore housing figures move on a predictable calendar, so our review schedule follows it rather than an arbitrary interval.
| Trigger | When | What gets rechecked |
|---|---|---|
| Singapore Budget | February, annually | All grant amounts, income ceilings, loan and levy figures, against HDB and CPF Board |
| National Day Rally | August, annually | The same set — the August 2024 Rally is when the EHG maximum rose from $80,000 to $120,000 |
| Announced policy change | Within 14 days of the announcement | Any figure or rule the announcement touches, plus every page that displays it |
| Scheduled page review | At least twice a year per page | Each calculator and guide is re-read against the rate data; the page's "Last reviewed" date is only moved when that check has actually been done |
Cadence set by HDB Calculator SG. Grant figures last verified against official sources on 27 June 2026; all pages last reviewed 20 August 2026.
Every calculator and guide carries a visible "Last reviewed" date under its heading. That date means a person checked the page's figures against the source data on that day. We do not advance it to look fresh.
Corrections
If a number on this site is wrong, we want to know, and we would rather hear it from you than leave it up.
- Email [email protected] with the page URL and the figure you believe is incorrect. A link to the official HDB or CPF page helps, but is not required.
- We aim to acknowledge within five working days.
- We check the claim against the official source. If it holds, we correct the data file, which updates every page that shows the figure.
- A correction that changes a published number is noted on the affected page, and the page's "Last reviewed" date is updated.
If a figure here disagrees with HDB, CPF Board or MAS, the official source is right and we are wrong. Always confirm with them before making a financial commitment.
Independence and how this site is funded
We take no payment from banks, mortgage brokers, property agents or developers. This site carries no affiliate links, no sponsored placements, and no lead-generation forms — we do not sell or pass on your details, and the calculators never send your inputs anywhere. See our privacy policy for what that means technically.
The site is intended to be supported by display advertising. Advertising never influences which figures we publish or what our calculators return. CPF Calculator SG is our sister site, run by the same team; links to it are not paid placements.
What this site is not
HDB Calculator SG is an educational reference and calculation tool. It is not financial, legal or property advice, and it is not a substitute for your HFE letter, an in-principle approval from a lender, or a licensed financial adviser. Our calculators produce estimates from published rules; your actual eligibility, grant and loan amounts are determined by HDB, CPF Board and your lender. Full terms are in our Terms of Service.
Contact
Corrections and questions: [email protected]
Contact form: hdbcalculator.com/contact.html
About the site: About HDB Calculator SG