)))Based on HDB's launch prices, the table below compares affordability across the upcoming BTO launches.
Legend: Red means that income level may not be able to qualify for a mortgage per MAS 30% MSR Rule
| Garden Waterfront I & II @ Tengah (HDB 3 Rooms) |
Min: $214,000
Max: $262,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Enhanced CPF Housing Grant (EHG) (D) |
Housing Loan (Price - Downpayment - EHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $2,000 | $238,000 | $23,800 | $75,000 | $139,200 | $632 | $460 | $172 |
| $2,500 | $238,000 | $23,800 | $70,000 | $144,200 | $654 | $575 | $79 |
| $3,000 | $238,000 | $23,800 | $65,000 | $149,200 | $677 | $690 | $0 |
| Garden Waterfront I & II @ Tengah (HDB 4 Rooms) |
Min: $307,000
Max: $397,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Enhanced CPF Housing Grant (EHG) (D) |
Housing Loan (Price - Downpayment - EHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $3,500 | $352,000 | $35,200 | $60,000 | $256,800 | $1,165 | $805 | $360 |
| $4,000 | $352,000 | $35,200 | $55,000 | $261,800 | $1,188 | $920 | $268 |
| $4,500 | $352,000 | $35,200 | $50,000 | $266,800 | $1,210 | $1,035 | $175 |
| $5,000 | $352,000 | $35,200 | $45,000 | $271,800 | $1,233 | $1,150 | $83 |
| $5,500 | $352,000 | $35,200 | $40,000 | $276,800 | $1,256 | $1,265 | $0 |
| Garden Waterfront I & II @ Tengah (HDB 5 Rooms) |
Min: $428,000
Max: $536,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Enhanced CPF Housing Grant (EHG) (D) |
Housing Loan (Price - Downpayment - EHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $6,000 | $482,000 | $48,200 | $35,000 | $398,800 | $1,809 | $1,380 | $429 |
| $6,500 | $482,000 | $48,200 | $30,000 | $403,800 | $1,832 | $1,495 | $337 |
| $7,000 | $482,000 | $48,200 | $25,000 | $408,800 | $1,855 | $1,610 | $245 |
| $7,500 | $482,000 | $48,200 | $20,000 | $413,800 | $1,877 | $1,725 | $152 |
| $8,000 | $482,000 | $48,200 | $15,000 | $418,800 | $1,900 | $1,840 | $60 |
| $8,500 | $482,000 | $48,200 | $10,000 | $423,800 | $1,923 | $1,955 | $0 |
The figures show you an estimate of the extra monthly cash instalments you have to fork out after CPF deduction. These estimates take into account the prevailing CPF OA contributions, Enhanced CPF Housing Grant (EHG) and loan interest rate.
Depending on your household income, a cash payment highlighted in red means that it may not be affordable for you to purchase that BTO.
Assumptions:
1. Buyers have sufficient savings for the 10% downpayment.
2. The monthly installment is based on the maximum tenure of 25 years at HDB concessionary interest rate of 2.6% p.a.
3. Buyers apply as a first-timer household under one of the eligibility schemes, and all buyers are Singapore citizens.
4. Buyers fulfil all eligibility criteria e.g. within income ceiling for flat intended, at least 21 years old, do not own other property overseas or locally.
Disclaimer: Calculations provided above for financing are for general reference only. StreetSine Singapore Pte Ltd accepts no liability whatsoever arising from any use of or reliance on the use of these tables.
| Option | Condition | Move-in | Eligible to Sell |
|---|---|---|---|
| BTO | New | 2-4 Years | 7-9 years (incl. 5 years lock-in) |
| HDB Resale | Older | Immediate | 5 years lock-in |
| Median BTO price | Median Resale Price |
|---|
Disclaimer: Calculations provided above are for general reference only. StreetSine Singapore Pte Ltd accepts no liability whatsoever arising from any use of or reliance on the use of these tables.
* Assumes first-timer Singaporean couple living near one of the parents. Refer to HDB's Housing Grant rules if your situation differs.
* Updated based on 2026 Budget wef 20 Feb 2017
Note: Total Debt Servicing Ratio (TDSR) cannot exceed 60% of your net income. Mortgage Servicing Ratio (MSR) cannot exceed 30% of your income. Calculations are done at 3.5% Interest Rate.
| Registration Date | HDB Model | Price | Location | Storey | Size | Built |
|---|
| Lease Date | HDB Model | Price | Location | Built |
|---|
| HDB Type | Year (purchase) | Year (purchase) | Total Change | Annual Change |
|---|
$850 HDB 4 Rooms
$900 HDB 5 Rooms
$1,000 HDB 5 Rooms
$1,150 HDB 4 Rooms
