⚖️ Scenario Comparison Hub

Side-by-Side Financial Decision Models

Compare real Singapore life choices — housing, transportation, weddings, family planning, and career benchmarks with interactive simulators.

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HDB vs Condo Simulator

Compare subsidized HDB public housing against private condominium lifestyle amenities and capital growth.

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HDB vs Private Condo Suitability Planner

Compare HDB BTO, Resale, Executive Condos (EC) & Private Condos across eligibility, cash outlay, CPF grants & 10-year wealth projections

Citizenship Status
Household Setup
$/mo
Existing Home Owned?
HDB Suitability63% MatchBTO: eligible
Executive Condo (EC)61% MatchEC: eligible
Private Condo59% MatchCondo: eligible
Monthly CPF OA Inflow+$2,070/moAuto-deducted from mortgage

Singapore Housing Eligibility Audit & Property Restrictions

Based on citizenship (SC), household status (couple), age (30), and gross income ($9,000)

HDB HFE Guidelines↗
🏠HDB BTO
✓ Eligible
✓Singapore Citizen household requirement met.
✓Income is within the $14,000 household ceiling.
• Income Cap: $14,000 / $21,000
• MOP: 5 Yrs (Standard) / 10 Yrs (Plus/Prime)
• Grants: Up to $120,000 (EHG)
🔄HDB Resale
✓ Eligible
✓Age and citizenship requirement met for resale flats.
✓No income ceiling for HDB resale flats.
• Income Cap: NO Income Ceiling
• MOP: 5 Years
• Grants: Up to $190,000 (Family+EHG+PHG)
✨Executive Condo (EC)
✓ Eligible
✓Citizen family nucleus requirement met.
✓Household income is within the $16,000 EC ceiling.
• Income Cap: $16,000 Household
• Privatisation: Privatises after 10 Yrs
• Grants: Up to $30,000 (EC Grant)
🏙️Private Condo
✓ Eligible
✓Open to Singapore Citizens, PRs, and Foreigners without income or age caps.
✓First-time Singapore Citizens pay 0% ABSD.
• Income Cap: None
• MOP: 0 Days (Immediate Rent/Sell)
• ABSD Rate: 0.0%
📌 Key Policy Note: HDB Standard vs Plus vs Prime BTO Framework (2024–2026 Rules)
1. Standard Flats

Standard subsidies, 5-year MOP, standard rental rules after MOP. Available in most town zones.

2. Plus Flats (Choice Locations)

Near MRT/town centers. Tightened 10-year MOP, subsidy clawback upon resale, single unit rental room caps.

3. Prime Flats (PLH Locations)

Prime central locations. 10-year MOP, highest subsidy clawback (6-9%), strict resale buyer income ceiling ($14,000).

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Key Financial Trade-offs Summary

Strategic decision framework for hdb vs condo in Singapore

HDB (BTO / Resale)

Subsidized & Efficient
Entry Price: ~$350k–$750k
✓ Key Advantages:
  • Eligible for up to $80k–$190k CPF Housing Grants
  • Lower entry price ($350k–$800k)
  • Lower monthly maintenance fee ($60–$120/mo)
✕ Key Drawbacks:
  • Subject to 5–10 year Minimum Occupation Period (MOP)
  • Strict income ceiling limits ($14k couple BTO ceiling)
  • Cannot own second residential property without 20% ABSD

Private Condominium

Luxe Amenities & Freedom
Entry Price: ~$1.3M–$2.2M+
✓ Key Advantages:
  • Full private facilities (gym, pool, tennis courts, security)
  • No MOP restrictions for immediate renting or selling
  • Higher long-term capital appreciation potential
✕ Key Drawbacks:
  • Higher price tag ($1.3M–$2.5M+)
  • Requires 25% downpayment (min 5% cash upfront)
  • High quarterly maintenance conservancy ($300–$600/mo)
💡 Rule of Thumb Guidance: First-time Singaporean couples earning under $14,000 should maximize government grants with an HDB BTO or Resale first. Switch to private condo later when income and CPF balances reach mid-career scale.