Bukit Panjang HDB Town, formerly known as Zhenghua, is located in the West Region of Singapore. It is surrounded by Bukit Timah Road, Dairy Farm Road, the Bukit Timah Expressway, and the Kranji Expressway.Bukit Panjang, which is known as Zhenghua for several years before its name was reinstated. Development of the town and advanced earthworks begun in 1981.
In Bukit Panjang, the new BTOs are Senja Heights, Senja Ridges, and Senja Valley. All three are located along Senja Road. They comprise of 1,571 units of 2-room Flexi, 3-, 4-, 5-, and 3Gen flats.
Senja Heights comprises 2 residential blocks which house 552 units of 2-room Flexi, 3-, and 4-room Flats. 1 block is 18 storeys high and the other is a staggered block with height ranging from 32 to 38 storeys.
Senja Ridges comprises a residential block with heights staggering from 8 to 24 to 33 storeys to create the tapered look of ridges. You can choose from 230 units of 4-, 5-room, and 3Gen flats in this development.
)))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
| Senja Heights/Ridges/Valley (HDB 3 Rooms) |
Min: $147,000
Max: $210,000
|
||||||
| 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) |
|---|---|---|---|---|---|---|---|
| $1,000 | $178,500 | $17,850 | $80,000 | $80,650 | $366 | $230 | $136 |
| $1,500 | $178,500 | $17,850 | $80,000 | $80,650 | $366 | $345 | $21 |
| $2,000 | $178,500 | $17,850 | $75,000 | $85,650 | $389 | $460 | $0 |
| Senja Heights/Ridges/Valley (HDB 4 Rooms) |
Min: $239,000
Max: $336,000
|
||||||
| 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) |
|---|---|---|---|---|---|---|---|
| $2,500 | $287,500 | $28,750 | $70,000 | $188,750 | $856 | $575 | $281 |
| $3,000 | $287,500 | $28,750 | $65,000 | $193,750 | $879 | $690 | $189 |
| $3,500 | $287,500 | $28,750 | $60,000 | $198,750 | $902 | $805 | $97 |
| $4,000 | $287,500 | $28,750 | $55,000 | $203,750 | $924 | $920 | $4 |
| $4,500 | $287,500 | $28,750 | $50,000 | $208,750 | $947 | $1,035 | $0 |
| Senja Heights/Ridges/Valley (HDB 5 Rooms) |
Min: $315,000
Max: $410,000
|
||||||
| 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) |
|---|---|---|---|---|---|---|---|
| $4,000 | $362,500 | $36,250 | $55,000 | $271,250 | $1,231 | $920 | $311 |
| $4,500 | $362,500 | $36,250 | $50,000 | $276,250 | $1,253 | $1,035 | $218 |
| $5,000 | $362,500 | $36,250 | $45,000 | $281,250 | $1,276 | $1,150 | $126 |
| $5,500 | $362,500 | $36,250 | $40,000 | $286,250 | $1,299 | $1,265 | $34 |
| $6,000 | $362,500 | $36,250 | $35,000 | $291,250 | $1,321 | $1,380 | $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 |
|---|---|---|---|---|---|---|
| Jul 25 | 3A | $438K | Bangkit Rd | 7-9 | 73 sqm | 1988 |
| Jul 25 | 3A | $420K | Bangkit Rd | 1-3 | 73 sqm | 1988 |
| Oct 25 | 3A | $445K | Bangkit Rd | 4-6 | 73 sqm | 1988 |
| Nov 25 | 3A | $440K | Bangkit Rd | 10-12 | 73 sqm | 1988 |
| Nov 25 | 3A | $420K | Bangkit Rd | 4-6 | 73 sqm | 1989 |
| Dec 25 | 3A | $410K | Bangkit Rd | 4-6 | 73 sqm | 1988 |
| Lease Date | HDB Model | Price | Location | Built |
|---|---|---|---|---|
| Jul 25 | 3RM | $2,500 | Bangkit Rd | 1988 |
| Jul 25 | 3RM | $2,400 | Bangkit Rd | 1988 |
| Jul 25 | 3RM | $2,700 | Bangkit Rd | 1988 |
| Oct 25 | 3RM | $2,400 | Bangkit Rd | 1988 |
| Nov 25 | 3RM | $2,200 | Bangkit Rd | 1988 |
| Dec 25 | 3RM | $2,500 | Bangkit Rd | 1988 |
| HDB Type | Year (purchase) | Year (purchase) | Total Change | Annual Change |
|---|
$550,000 HDB 4 Rooms
$440,000 HDB 4 Rooms
$790,000 HDB 5 Rooms
$638,000 HDB 4 Rooms
$900 HDB 4 Rooms
$2,700 HDB 2 Rooms
$1,100 HDB 4 Rooms
$3,600 HDB 4 Rooms
