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HDB vs Condo Suitability

🔒Private

Compare HDB BTO/Resale and private condo eligibility, ABSD tax schedules, and rate personal importance priorities.

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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).

Clear Answers

Frequently Asked Questions

Singapore Citizens who have completed the 5-year Minimum Occupation Period (MOP) on their HDB flat can purchase a private residential property, but must pay 20% Additional Buyer’s Stamp Duty (ABSD) on the second residential property.