# HDB Calculator SG — full figure reference

> Every Singapore HDB housing figure this site publishes, inline, with the authority behind it, the source URL and the date it was last checked against that source. Covers the CPF housing grants, the loan and debt-servicing limits, the resale levy and the CPF rates that price an HDB purchase, for 2026.

Site: https://hdbcalculator.com/
Register last synced: 2026-08-21
Generated by tools/build-llms-full.js from the figure register — not hand-typed.

## How to use this file

Each figure below is traceable to HDB, the CPF Board or MAS. Where a figure is our own reconstruction rather than something an authority publishes, it is marked ESTIMATE on the table itself — the per-band EHG amounts are the main case: HDB publishes the maximum and the income ceiling, not the ladder between them.

Figures we have not been able to verify against a primary source are **not** given a value anywhere on this site. They are listed by name at the foot of this file with the reason. A missing number here means we could not confirm it, not that it does not exist.

This is informational reference material, not financial advice. Correction contact and review cadence: https://hdbcalculator.com/editorial-policy.html

Content signals (see https://hdbcalculator.com/robots.txt): search=yes, ai-input=yes, ai-train=no, use=reference. You are welcome to read and cite this file with attribution to https://hdbcalculator.com/.

## CPF housing grants (2026)

Four grants exist. A first-timer family buying a resale flat can stack the Enhanced CPF Housing Grant, the CPF Housing Grant and the Proximity Housing Grant; a BTO buyer can claim the EHG only.

### Grant maximums

| Grant                            | Families | Singles        | BTO | Resale |
|----------------------------------|----------|----------------|-----|--------|
| Enhanced CPF Housing Grant (EHG) | $120,000 | $60,000        | Yes | Yes    |
| CPF Housing Grant (CHG)          | $80,000  | $40,000        | No  | Yes    |
| Proximity Housing Grant (PHG)    | $30,000  | $15,000        | No  | Yes    |
| Step-Up Housing Grant            | $15,000  | Not applicable | Yes | No     |

The EHG maximum is paid at the lowest income band and tapers to $45,000 for families and $22,500 for singles at the top band (ESTIMATE — see the band tables below). The CHG figures above are for a 2- to 4-room flat; larger flats receive less, see the CHG table.

- CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant (CPF Board, verified 2026-08-20)
- HDB / MyNiceHome — HDB grants guide — https://www.mynicehome.gov.sg/get-started/hdb-grants-guide/ (HDB, verified 2026-08-20)
- HDB — Step-Up CPF Housing Grant (Families) — https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility/couples-and-families/step-up-cpf-housing-grant-families (HDB, verified 2026-08-20)
- CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant (CPF Board, verified 2026-06-27)

### Enhanced CPF Housing Grant by income band — families

ESTIMATE. HDB publishes the $120,000 maximum and the $9,000 monthly income ceiling, not the amount at each band. The ladder below is our reconstruction of the taper and is presented as an estimate everywhere on this site.

| Average monthly household income | EHG amount |
|----------------------------------|------------|
| $1,500 or less                   | $120,000   |
| $1,501 – $2,000                  | $115,000   |
| $2,001 – $2,500                  | $110,000   |
| $2,501 – $3,000                  | $105,000   |
| $3,001 – $3,500                  | $100,000   |
| $3,501 – $4,000                  | $95,000    |
| $4,001 – $4,500                  | $90,000    |
| $4,501 – $5,000                  | $85,000    |
| $5,001 – $5,500                  | $80,000    |
| $5,501 – $6,000                  | $75,000    |
| $6,001 – $6,500                  | $70,000    |
| $6,501 – $7,000                  | $65,000    |
| $7,001 – $7,500                  | $60,000    |
| $7,501 – $8,000                  | $55,000    |
| $8,001 – $8,500                  | $50,000    |
| $8,501 – $9,000                  | $45,000    |
| Above $9,000                     | $0         |

Source: CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant
(CPF Board (envelope) — bands reconstructed · ESTIMATE, reconstructed — not an official table · verified 2026-06-27)

### Enhanced CPF Housing Grant by income band — singles

ESTIMATE, on the same basis: the $60,000 maximum and the $4,500 income ceiling are published; the per-band ladder is our reconstruction.

| Average monthly income | EHG amount |
|------------------------|------------|
| $750 or less           | $60,000    |
| $751 – $1,000          | $57,500    |
| $1,001 – $1,250        | $55,000    |
| $1,251 – $1,500        | $52,500    |
| $1,501 – $1,750        | $50,000    |
| $1,751 – $2,000        | $47,500    |
| $2,001 – $2,250        | $45,000    |
| $2,251 – $2,500        | $42,500    |
| $2,501 – $2,750        | $40,000    |
| $2,751 – $3,000        | $37,500    |
| $3,001 – $3,250        | $35,000    |
| $3,251 – $3,500        | $32,500    |
| $3,501 – $3,750        | $30,000    |
| $3,751 – $4,000        | $27,500    |
| $4,001 – $4,250        | $25,000    |
| $4,251 – $4,500        | $22,500    |
| Above $4,500           | $0         |

Source: CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant
(CPF Board (envelope) — bands reconstructed · ESTIMATE, reconstructed — not an official table · verified 2026-06-27)

### CPF Housing Grant by citizenship and flat size

Resale flats only, and first-timers only. The amount falls for a 5-room, 3Gen or Executive flat.

| Buyer combination        | 2- to 4-room | 5-room, 3Gen or Executive |
|--------------------------|--------------|---------------------------|
| Both Singapore Citizens  | $80,000      | $50,000                   |
| SC + Permanent Resident  | $60,000      | $40,000                   |
| Single Singapore Citizen | $40,000      | $25,000                   |

- HDB / MyNiceHome — HDB grants guide — https://www.mynicehome.gov.sg/get-started/hdb-grants-guide/ (HDB, verified 2026-08-20)
- HDB / MyNiceHome — HDB grants guide — https://www.mynicehome.gov.sg/get-started/hdb-grants-guide/ (HDB, verified 2026-06-27)

### Proximity Housing Grant by living arrangement

Paid for buying a resale flat with, or within 4 km of, your parents or married child.

| Living arrangement               | Families | Singles |
|----------------------------------|----------|---------|
| Living together in the same flat | $30,000  | $15,000 |
| Living within 4 km               | $20,000  | $10,000 |

- CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant (CPF Board, verified 2026-08-20)

### Grant income ceilings

| Ceiling       | Amount (average gross monthly household income) |
|---------------|-------------------------------------------------|
| EHG, families | $9,000                                          |
| EHG, singles  | $4,500                                          |

- CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant — https://www.cpf.gov.sg/member/infohub/educational-resources/a-guide-to-enhanced-cpf-housing-and-proximity-grant (CPF Board, verified 2026-06-27)

## Loan and debt-servicing limits (2026)

MSR applies to HDB flats only; TDSR applies to every housing loan. Both are computed on gross monthly income, and the lower of the two binds.

| Rule                              | Limit | Applies to                                                   |
|-----------------------------------|-------|--------------------------------------------------------------|
| Mortgage Servicing Ratio (MSR)    | 30%   | HDB flats and Executive Condominiums bought from a developer |
| Total Debt Servicing Ratio (TDSR) | 55%   | All property loans, all lenders                              |

### Bank loan Loan-to-Value limits

A bank loan is capped at 75% of the price or valuation, whichever is lower, when the borrower has no other outstanding housing loan. It drops to 55% when the tenure exceeds 30 years (25 years for an HDB flat) or the loan runs past the borrower's age of 65, and the minimum cash portion rises with it.

| Tier                       | Maximum LTV | Minimum cash downpayment |
|----------------------------|-------------|--------------------------|
| Standard                   | 75%         | 5%                       |
| Long tenure or past age 65 | 55%         | 10%                      |

| Tenure cap                  | Limit    |
|-----------------------------|----------|
| Bank loan, HDB flat         | 30 years |
| Bank loan, private property | 35 years |

- MAS — Rules for New Housing Loans: MSR and TDSR Rules — https://www.mas.gov.sg/regulation/explainers/new-housing-loans/msr-and-tdsr-rules (MAS, verified 2026-08-20)
- MAS — Rules for New Housing Loans: Loan Tenure and Loan-To-Value Limits — https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits (MAS, verified 2026-08-20)

### HDB concessionary loan Loan-to-Value limit

An HDB concessionary loan is capped at 75% of the price or valuation, whichever is lower, leaving a downpayment of 25%. That downpayment may be paid from the CPF Ordinary Account, in cash, or in any mix of the two: unlike a bank loan, an HDB loan has no minimum cash component.

This limit was lowered from 80% to 75% with effect from 20 August 2024, 12.00am, bringing HDB into line with the 75% limit for loans from financial institutions. It applies to complete resale applications received by HDB on or after that date, and to BTO applications from the October 2024 exercise onwards. Sources published before 20 August 2024 state 80% and are out of date.

- MND & HDB — Measures to Cool the HDB Resale Market and Provide More Support for First-Time Home Buyers (19 August 2024) — https://www.hdb.gov.sg/about-us/news-and-publications/press-releases/Measures-to-Cool-the-HDB-Resale-Market-and-Provide-More-Support-for-First-Time-Home-Buyers (HDB, verified 2026-08-20)

## CPF and HDB loan interest rates (2026)

| Rate                                | Value | What it applies to                                                            |
|-------------------------------------|-------|-------------------------------------------------------------------------------|
| HDB concessionary loan              | 2.6%  | The CPF Ordinary Account rate plus 0.1%                                       |
| CPF Ordinary Account                | 2.5%  | OA balances, and the rate at which accrued interest builds                    |
| CPF Special / MediSave / Retirement | 4%    | SMRA balances                                                                 |
| CPF extra interest, below 55        | 1%    | On the first $60,000 of combined balances, of which up to $20,000 from the OA |

Money taken from CPF for a flat must be refunded on sale together with the interest it would have earned, compounded at 2.5%.

- CPF interest rates from 1 July to 30 September 2026 — https://www.cpf.gov.sg/member/infohub/news/news-releases/cpf-interest-rates-from-1-july-to-30-september-2026 (CPF Board / HDB, verified 2026-08-20)

### Basic Retirement Sum

The BRS is fixed by the cohort that turns 55 in that year; it does not change for you afterwards. Sellers aged 55 and over may need to top up to the BRS from the sale proceeds before cash is released.

| Cohort turning 55 in | Basic Retirement Sum |
|----------------------|----------------------|
| 2026                 | $110,200             |
| 2027                 | $114,100             |

The Full Retirement Sum is 2× the Basic Retirement Sum.

- CPF Board — How much is my Basic Retirement Sum? — https://www.cpf.gov.sg/service/article/how-much-is-my-basic-retirement-sum (CPF Board, verified 2026-08-20)
- CPF Board — What are the retirement sums (BRS, FRS and ERS)? — https://www.cpf.gov.sg/service/article/what-are-the-retirement-sums-basic-retirement-sum-brs-full-retirement-sum-frs-and-enhanced-retirement-sum-ers (CPF Board, verified 2026-08-20)

## HDB resale levy

Paid when a household that has already enjoyed a housing subsidy buys a second subsidised flat. The amount is set by the first subsidised flat, not the second. Singles pay half.

| First subsidised flat | Families | Singles (half rate) |
|-----------------------|----------|---------------------|
| 2-room                | $15,000  | $7,500              |
| 3-room                | $30,000  | $15,000             |
| 4-room                | $40,000  | $20,000             |
| 5-room                | $45,000  | $22,500             |
| Executive             | $50,000  | $25,000             |

- HDB — Resale Levy — https://www.hdb.gov.sg/cs/infoweb/residential/selling-a-flat/financing/computing-your-estimated-sale-proceeds/selling-a-flat---resale-levy (HDB, verified 2026-08-21)

## Figures this site does not publish

These are in our register but have no verified value, so no page on this site states one. Listed here so the gap is explicit rather than silent.

- **Medium-term interest rate floor used to compute TDSR/MSR** (bankLoan.stressRate) — MAS. Not confirmed on the two MAS explainer pages read on 2026-08-20.
- **Executive Condominium income ceiling** (ceiling.ec) — HDB. hdb.gov.sg unreachable from the verifying network on 2026-08-20.
- **HDB income ceiling, extended families** (ceiling.extendedFamily) — HDB. hdb.gov.sg unreachable from the verifying network on 2026-08-20.
- **HDB loan and BTO income ceiling, families** (ceiling.hdbLoanFamily) — HDB. hdb.gov.sg unreachable from the verifying network on 2026-08-20.
- **HDB loan, BTO and CPF Housing Grant income ceiling, singles** (ceiling.singles) — HDB. hdb.gov.sg unreachable from the verifying network on 2026-08-20.
- **Age the remaining lease must cover for full CPF usage** (cpf.leaseCoverAge) — CPF Board. Not yet read at a primary source.
- **Remaining lease below which CPF usage is restricted** (cpf.leaseMinimum) — CPF Board. Not yet read at a primary source.
- **Remaining lease below which the Valuation Limit is pro-rated** (cpf.leaseProRateThreshold) — CPF Board. Not yet read at a primary source.
- **Maximum HDB concessionary loan amount** (hdbLoan.ceiling) — HDB. hdb.gov.sg unreachable from the verifying network on 2026-08-20.
- **CPF Withdrawal Limit as a percentage of the Valuation Limit** (wl.pct) — CPF Board. Not yet read at a primary source.

Most of these sit on hdb.gov.sg pages that are unreachable from our verifying network. The HDB concessionary loan LTV was on this list until 2026-08-20 and is now resolved and published above at 75%.

## Pages

- https://hdbcalculator.com/ — HDB affordability calculator (MSR, TDSR, maximum loan, downpayment, HDB vs bank)
- https://hdbcalculator.com/grants.html — CPF grant eligibility calculator
- https://hdbcalculator.com/bto-calculator.html — BTO affordability calculator
- https://hdbcalculator.com/faq.html — HDB FAQ 2026
- https://hdbcalculator.com/guides.html — guide index
- https://hdbcalculator.com/hdb-ehg-2026.html — Enhanced CPF Housing Grant: amounts by income band, ceilings, eligibility
- https://hdbcalculator.com/cpf-housing-grant-2026.html — CPF Housing Grant: amounts by citizenship and resale flat size
- https://hdbcalculator.com/hdb-proximity-grant-2026.html — Proximity Housing Grant: amounts and the 4km rule
- https://hdbcalculator.com/hdb-step-up-grant-2026.html — Step-Up CPF Housing Grant: the $15,000 second-timer grant, 2- or 3-room flats only
- https://hdbcalculator.com/hdb-singles-grant-2026.html — HDB grants for singles: up to $115,000 on resale, age 35, every singles ceiling
- https://hdbcalculator.com/hdb-grant-amounts-2026.html — every grant amount, ceiling and flat-size tier in one table
- https://hdbcalculator.com/blog/hdb-grant-guide-2026.html — all four grants explained
- https://hdbcalculator.com/blog/hdb-grant-eligibility-guide.html — grant eligibility in five steps
- https://hdbcalculator.com/blog/hdb-bto-vs-resale-2026.html — BTO vs resale after grants
- https://hdbcalculator.com/blog/apply-hdb-loan-singapore.html — applying for an HDB loan
- https://hdbcalculator.com/blog/cpf-usage-hdb-2026.html — CPF usage limits and accrued interest
- https://hdbcalculator.com/blog/resale-levy-singapore.html — the resale levy
- https://hdbcalculator.com/editorial-policy.html — sourcing, review cadence, estimates, corrections
- https://hdbcalculator.com/llms.txt — short link index