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HDB resale prices by town in 2026, in years of household income
How many years of household income a resale flat costs in each HDB town, how much an HDB loan covers, and what a buyer must find from CPF or cash. Built from 238,979 resale sales registered since January 2017.
5.0 years
of the median household's income for a median 4-room resale flat (S$630,000), against 4.0 years in 2019.
S$157,500
a median-income household must fund from CPF or cash on a median 4-room, on the largest HDB loan it can get, against S$46,000 five years earlier.
4 towns
where a median 4-room costs more than a median household's HDB loan can cover at 75%: Queenstown, Toa Payoh, Bukit Merah, Kallang/Whampoa.
Key findings
Sales registered November 2025 to October 2026. "Median household" is the median resident employed household's income from work in 2025, excluding employer CPF.
- A median 4-room resale flat (S$630,000) cost 5.0 years of the median household's income from work, against 4.0 years for the median 4-room sold in 2019.
- On the largest HDB loan it can get, a median-income household buying the median 4-room flat must find S$157,500 from CPF, cash or grants. Five years earlier it was S$46,000, when HDB lent up to 90% of the price, against 75% now.
- In Queenstown, Toa Payoh, Bukit Merah and Kallang/Whampoa, the median 4-room costs more than the median household's HDB loan can cover at 75%. In Queenstown (S$1,030,000) the gap is S$360,000, or 2.8 years of that household's income.
- A household at the 20th income percentile (S$4,628 a month) can borrow up to S$292,700 from HDB, 46% of a median 4-room flat.
- Over the year, the median 4-room price was up 0.6% and the median 3-room down 1.1%, while median household income rose 5.9%. A 4-room went from 5.2 to 5.0 years of income.
- 66% of 3-room resale flats sold had less than 60 years of lease left, against 20% of 4-room flats.
Income needed for a full HDB loan
HDB lends up to 75% of a resale flat's price, but caps the monthly instalment at 30% of household income. Below the incomes here, the 30% limit cuts the loan and the buyer must find more than 25% from CPF or cash.
3-room
S$5,220 a month
for an HDB loan of S$330,000, 75% of the median price of S$440,000.
4-room
S$7,470 a month
for an HDB loan of S$472,500, 75% of the median price of S$630,000.
5-room
S$8,840 a month
for an HDB loan of S$558,750, 75% of the median price of S$745,000.
Executive
S$10,860 a month
for an HDB loan of S$670,000, 75% of the median price of S$915,500.
Lowest monthly household income, in steps of S$10, at which the HDB loan reaches 75% of the median price. Two Singapore Citizen buyers aged 35, a 25-year loan sized at HDB's 3% assessment rate, worked out with the same code as Perfingo's HDB loan calculator. The figure for every town is in the tables below. For comparison, the median household earned S$10,591 a month.
Cheapest and most expensive HDB towns in 2026
Median resale price, November 2025 to October 2026, with years of median household income and the median lease left on the flats sold. Towns with fewer than 60 sales are left out.
3-room flats
| Town | Median price | Years of income | Lease left |
|---|---|---|---|
| Toa Payoh | S$380,000 | 3.0 | 46 yrs |
| Geylang | S$380,000 | 3.0 | 50 yrs |
| Jurong West | S$390,000 | 3.1 | 57 yrs |
| Jurong East | S$408,000 | 3.2 | 56 yrs |
| Woodlands | S$410,000 | 3.2 | 58 yrs |
| Town | Median price | Years of income | Lease left |
|---|---|---|---|
| Central Area | S$550,000 | 4.3 | 53 yrs |
| Punggol | S$545,000 | 4.3 | 89 yrs |
| Sengkang | S$542,888 | 4.3 | 89 yrs |
| Bishan | S$530,000 | 4.2 | 58 yrs |
| Sembawang | S$520,000 | 4.1 | 92 yrs |
The median 3-room flat sold in the five most expensive towns had 53 to 92 years of lease left, against 46 to 58 years in the five cheapest.
4-room flats
| Town | Median price | Years of income | Lease left |
|---|---|---|---|
| Jurong West | S$534,500 | 4.2 | 70 yrs |
| Woodlands | S$548,000 | 4.3 | 71 yrs |
| Jurong East | S$549,444 | 4.3 | 69 yrs |
| Yishun | S$550,000 | 4.3 | 62 yrs |
| Choa Chu Kang | S$551,944 | 4.3 | 72 yrs |
| Town | Median price | Years of income | Lease left |
|---|---|---|---|
| Queenstown | S$1,030,000 | 8.1 | 88 yrs |
| Toa Payoh | S$1,000,888 | 7.9 | 91 yrs |
| Bukit Merah | S$938,000 | 7.4 | 78 yrs |
| Kallang/Whampoa | S$900,000 | 7.1 | 78 yrs |
| Central Area | S$870,000 | 6.8 | 76 yrs |
The median 4-room flat sold in the five most expensive towns had 76 to 91 years of lease left, against 62 to 72 years in the five cheapest. Left out as small samples: Marine Parade (38 sales, median S$637,500).
Years of income, 2017 to 2025
Median resale price in each calendar year, all towns, divided by that year's median monthly household income from work, times 12. Dotted lines mark the cuts to the HDB loan limit.
- 3-room: 3.5 years in 2025
- 4-room: 5.0 years in 2025
- 5-room: 5.8 years in 2025
- Executive: 7.1 years in 2025
Excluding employer CPF: median S$10,591 a month in 2025. HDB sizes its loan on this income.
- 3-room: 3.1 years in 2025
- 4-room: 4.4 years in 2025
- 5-room: 5.1 years in 2025
- Executive: 6.2 years in 2025
Including employer CPF: median S$12,027 a month in 2025, SingStat's headline measure. Flats look cheaper on this basis.
National figures only. A town's median moves with the mix of flats sold there, so we do not show five-year changes town by town.
What an HDB loan covers on a median flat
The teal part is the largest HDB loan at each household income; the rest must come from CPF, cash or grants. Two Singapore Citizen buyers aged 35, 25-year loan, HDB's 30% income limit and 75% loan limit.
3-room: median price S$440,000
Median household (S$10,591 a month)
HDB loan S$330,000 (75%) · to fund S$110,000
40th percentile (S$8,498 a month)
HDB loan S$330,000 (75%) · to fund S$110,000
20th percentile (S$4,628 a month)
HDB loan S$292,700 (67%) · to fund S$147,300
4-room: median price S$630,000
Median household (S$10,591 a month)
HDB loan S$472,500 (75%) · to fund S$157,500
40th percentile (S$8,498 a month)
HDB loan S$472,500 (75%) · to fund S$157,500
20th percentile (S$4,628 a month)
HDB loan S$292,700 (46%) · to fund S$337,300
5-room: median price S$745,000
Median household (S$10,591 a month)
HDB loan S$558,750 (75%) · to fund S$186,250
40th percentile (S$8,498 a month)
HDB loan S$537,600 (72%) · to fund S$207,400
20th percentile (S$4,628 a month)
HDB loan S$292,700 (39%) · to fund S$452,300
Executive: median price S$915,500
Median household (S$10,591 a month)
HDB loan S$670,000 (73%) · to fund S$245,500
40th percentile (S$8,498 a month)
HDB loan S$537,600 (59%) · to fund S$377,900
20th percentile (S$4,628 a month)
HDB loan S$292,700 (32%) · to fund S$622,800
Grants such as the Enhanced CPF Housing Grant would reduce the gap for eligible first-time buyers. They are not included.
HDB resale prices by town and flat type
Median of resale sales registered November 2025 to October 2026. "HDB loan" is the most a median-income household (S$10,591 a month) could borrow on the median flat; "To fund" is the rest, from CPF, cash or grants. "Income for a full loan" is the household income at which the HDB loan reaches 75%. Lease left is the median, in years.
3-room HDB resale prices by town
| Town | Sales | Median price | Years of income excl. employer CPF | Years of income incl. employer CPF | HDB loan median household | To fund | Income for a full loan | Lease left |
|---|---|---|---|---|---|---|---|---|
| All towns | 5,885 | S$440,000 | 3.5 | 3.0 | S$330,000 | S$110,000 | S$5,220 | 57 |
| Central Area older leases | 68 | S$550,000 | 4.3 | 3.8 | S$412,500 | S$137,500 | S$6,530 | 53 |
| Punggol | 184 | S$545,000 | 4.3 | 3.8 | S$408,750 | S$136,250 | S$6,470 | 89 |
| Sengkang | 133 | S$542,888 | 4.3 | 3.8 | S$407,166 | S$135,722 | S$6,440 | 89 |
| Bishan older leases | 64 | S$530,000 | 4.2 | 3.7 | S$397,500 | S$132,500 | S$6,290 | 58 |
| Sembawang | 95 | S$520,000 | 4.1 | 3.6 | S$390,000 | S$130,000 | S$6,170 | 92 |
| Tampines older leases | 388 | S$490,000 | 3.9 | 3.4 | S$367,500 | S$122,500 | S$5,810 | 58 |
| Serangoon older leases | 100 | S$466,500 | 3.7 | 3.2 | S$349,875 | S$116,625 | S$5,540 | 58 |
| Marine Parade older leases | 61 | S$465,000 | 3.7 | 3.2 | S$348,750 | S$116,250 | S$5,520 | 48 |
| Queenstown older leases | 364 | S$462,500 | 3.6 | 3.2 | S$346,875 | S$115,625 | S$5,490 | 49 |
| Bukit Panjang | 106 | S$456,944 | 3.6 | 3.2 | S$342,708 | S$114,236 | S$5,420 | 62 |
| Kallang/Whampoa older leases | 314 | S$454,000 | 3.6 | 3.1 | S$340,500 | S$113,500 | S$5,390 | 52 |
| Hougang older leases | 255 | S$450,000 | 3.5 | 3.1 | S$337,500 | S$112,500 | S$5,340 | 59 |
| Choa Chu Kang | 72 | S$445,444 | 3.5 | 3.1 | S$334,083 | S$111,361 | S$5,290 | 84 |
| Clementi older leases | 212 | S$432,000 | 3.4 | 3.0 | S$324,000 | S$108,000 | S$5,130 | 53 |
| Yishun older leases | 423 | S$430,008 | 3.4 | 3.0 | S$322,506 | S$107,502 | S$5,100 | 59 |
| Ang Mo Kio older leases | 423 | S$430,000 | 3.4 | 3.0 | S$322,500 | S$107,500 | S$5,100 | 53 |
| Bukit Merah older leases | 308 | S$430,000 | 3.4 | 3.0 | S$322,500 | S$107,500 | S$5,100 | 50 |
| Bedok older leases | 503 | S$415,000 | 3.3 | 2.9 | S$311,250 | S$103,750 | S$4,930 | 53 |
| Bukit Batok | 331 | S$413,888 | 3.3 | 2.9 | S$310,416 | S$103,472 | S$4,910 | 60 |
| Woodlands older leases | 209 | S$410,000 | 3.2 | 2.8 | S$307,500 | S$102,500 | S$4,870 | 58 |
| Jurong East older leases | 180 | S$408,000 | 3.2 | 2.8 | S$306,000 | S$102,000 | S$4,840 | 56 |
| Jurong West older leases | 307 | S$390,000 | 3.1 | 2.7 | S$292,500 | S$97,500 | S$4,630 | 57 |
| Geylang older leases | 324 | S$380,000 | 3.0 | 2.6 | S$285,000 | S$95,000 | S$4,510 | 50 |
| Toa Payoh older leases | 428 | S$380,000 | 3.0 | 2.6 | S$285,000 | S$95,000 | S$4,510 | 46 |
4-room HDB resale prices by town
| Town | Sales | Median price | Years of income excl. employer CPF | Years of income incl. employer CPF | HDB loan median household | To fund | Income for a full loan | Lease left |
|---|---|---|---|---|---|---|---|---|
| All towns | 11,102 | S$630,000 | 5.0 | 4.4 | S$472,500 | S$157,500 | S$7,470 | 74 |
| Queenstown | 323 | S$1,030,000 | 8.1 | 7.1 | S$670,000 | S$360,000 | S$12,220 | 88 |
| Toa Payoh | 428 | S$1,000,888 | 7.9 | 6.9 | S$670,000 | S$330,888 | S$11,870 | 91 |
| Bukit Merah | 403 | S$938,000 | 7.4 | 6.5 | S$670,000 | S$268,000 | S$11,130 | 78 |
| Kallang/Whampoa | 316 | S$900,000 | 7.1 | 6.2 | S$670,000 | S$230,000 | S$10,670 | 78 |
| Central Area | 81 | S$870,000 | 6.8 | 6.0 | S$652,500 | S$217,500 | S$10,320 | 76 |
| Clementi | 200 | S$801,500 | 6.3 | 5.6 | S$601,125 | S$200,375 | S$9,510 | 76 |
| Bishan | 200 | S$788,000 | 6.2 | 5.5 | S$591,000 | S$197,000 | S$9,350 | 63 |
| Geylang older leases | 230 | S$740,000 | 5.8 | 5.1 | S$555,000 | S$185,000 | S$8,780 | 59 |
| Punggol | 871 | S$680,000 | 5.4 | 4.7 | S$510,000 | S$170,000 | S$8,070 | 88 |
| Tampines | 922 | S$665,500 | 5.2 | 4.6 | S$499,125 | S$166,375 | S$7,900 | 69 |
| Serangoon older leases | 180 | S$653,444 | 5.1 | 4.5 | S$490,083 | S$163,361 | S$7,750 | 59 |
| Sengkang | 864 | S$640,000 | 5.0 | 4.4 | S$480,000 | S$160,000 | S$7,590 | 85 |
| Marine Parade small sample older leases | 38 | S$637,500 | 5.0 | 4.4 | S$478,125 | S$159,375 | S$7,560 | 48 |
| Pasir Ris | 303 | S$635,000 | 5.0 | 4.4 | S$476,250 | S$158,750 | S$7,530 | 67 |
| Bukit Batok | 600 | S$625,000 | 4.9 | 4.3 | S$468,750 | S$156,250 | S$7,420 | 91 |
| Ang Mo Kio older leases | 287 | S$620,000 | 4.9 | 4.3 | S$465,000 | S$155,000 | S$7,360 | 54 |
| Hougang | 591 | S$618,888 | 4.9 | 4.3 | S$464,166 | S$154,722 | S$7,340 | 71 |
| Bedok older leases | 539 | S$600,000 | 4.7 | 4.2 | S$450,000 | S$150,000 | S$7,120 | 60 |
| Sembawang | 393 | S$600,000 | 4.7 | 4.2 | S$450,000 | S$150,000 | S$7,120 | 90 |
| Bukit Panjang | 378 | S$570,000 | 4.5 | 3.9 | S$427,500 | S$142,500 | S$6,760 | 72 |
| Choa Chu Kang | 516 | S$551,944 | 4.3 | 3.8 | S$413,958 | S$137,986 | S$6,550 | 72 |
| Yishun | 796 | S$550,000 | 4.3 | 3.8 | S$412,500 | S$137,500 | S$6,530 | 62 |
| Jurong East | 140 | S$549,444 | 4.3 | 3.8 | S$412,083 | S$137,361 | S$6,520 | 69 |
| Woodlands | 893 | S$548,000 | 4.3 | 3.8 | S$411,000 | S$137,000 | S$6,500 | 71 |
| Jurong West | 592 | S$534,500 | 4.2 | 3.7 | S$400,875 | S$133,625 | S$6,340 | 70 |
5-room HDB resale prices by town
| Town | Sales | Median price | Years of income excl. employer CPF | Years of income incl. employer CPF | HDB loan median household | To fund | Income for a full loan | Lease left |
|---|---|---|---|---|---|---|---|---|
| All towns | 6,080 | S$745,000 | 5.9 | 5.2 | S$558,750 | S$186,250 | S$8,840 | 73 |
| Queenstown | 94 | S$1,235,940 | 9.7 | 8.6 | S$670,000 | S$565,940 | S$14,660 | 77 |
| Clementi | 86 | S$1,150,000 | 9.0 | 8.0 | S$670,000 | S$480,000 | S$13,640 | 86 |
| Bukit Merah | 190 | S$1,075,000 | 8.5 | 7.4 | S$670,000 | S$405,000 | S$12,750 | 74 |
| Marine Parade small sample older leases | 31 | S$1,050,000 | 8.3 | 7.3 | S$670,000 | S$380,000 | S$12,450 | 48 |
| Toa Payoh | 150 | S$1,050,000 | 8.3 | 7.3 | S$670,000 | S$380,000 | S$12,450 | 70 |
| Ang Mo Kio | 146 | S$981,500 | 7.7 | 6.8 | S$670,000 | S$311,500 | S$11,640 | 74 |
| Bishan | 122 | S$970,000 | 7.6 | 6.7 | S$670,000 | S$300,000 | S$11,500 | 61 |
| Kallang/Whampoa | 124 | S$951,944 | 7.5 | 6.6 | S$670,000 | S$281,944 | S$11,290 | 69 |
| Geylang older leases | 74 | S$925,444 | 7.3 | 6.4 | S$670,000 | S$255,444 | S$10,980 | 58 |
| Serangoon | 69 | S$838,000 | 6.6 | 5.8 | S$628,500 | S$209,500 | S$9,940 | 62 |
| Tampines | 597 | S$815,000 | 6.4 | 5.6 | S$611,250 | S$203,750 | S$9,670 | 70 |
| Bukit Batok | 314 | S$810,000 | 6.4 | 5.6 | S$607,500 | S$202,500 | S$9,610 | 92 |
| Bedok | 229 | S$808,000 | 6.4 | 5.6 | S$606,000 | S$202,000 | S$9,580 | 62 |
| Punggol | 497 | S$795,000 | 6.3 | 5.5 | S$596,250 | S$198,750 | S$9,430 | 88 |
| Hougang | 255 | S$783,888 | 6.2 | 5.4 | S$587,916 | S$195,972 | S$9,300 | 71 |
| Pasir Ris | 242 | S$735,000 | 5.8 | 5.1 | S$551,250 | S$183,750 | S$8,720 | 67 |
| Jurong East older leases | 118 | S$712,500 | 5.6 | 4.9 | S$534,375 | S$178,125 | S$8,450 | 59 |
| Sengkang | 607 | S$700,000 | 5.5 | 4.9 | S$525,000 | S$175,000 | S$8,300 | 76 |
| Bukit Panjang | 226 | S$696,944 | 5.5 | 4.8 | S$522,708 | S$174,236 | S$8,270 | 73 |
| Yishun | 266 | S$693,194 | 5.5 | 4.8 | S$519,896 | S$173,298 | S$8,220 | 73 |
| Choa Chu Kang | 343 | S$670,000 | 5.3 | 4.6 | S$502,500 | S$167,500 | S$7,950 | 72 |
| Woodlands | 546 | S$655,000 | 5.2 | 4.5 | S$491,250 | S$163,750 | S$7,770 | 71 |
| Sembawang | 244 | S$639,444 | 5.0 | 4.4 | S$479,583 | S$159,861 | S$7,590 | 74 |
| Jurong West | 460 | S$635,444 | 5.0 | 4.4 | S$476,583 | S$158,861 | S$7,540 | 74 |
Executive HDB resale prices by town
| Town | Sales | Median price | Years of income excl. employer CPF | Years of income incl. employer CPF | HDB loan median household | To fund | Income for a full loan | Lease left |
|---|---|---|---|---|---|---|---|---|
| All towns | 1,636 | S$915,500 | 7.2 | 6.3 | S$670,000 | S$245,500 | S$10,860 | 67 |
| Bishan small sample | 52 | S$1,292,500 | 10.2 | 9.0 | S$670,000 | S$622,500 | S$15,330 | 65 |
| Serangoon small sample | 50 | S$1,120,000 | 8.8 | 7.8 | S$670,000 | S$450,000 | S$13,280 | 65 |
| Bedok | 73 | S$1,020,000 | 8.0 | 7.1 | S$670,000 | S$350,000 | S$12,100 | 66 |
| Tampines | 182 | S$980,000 | 7.7 | 6.8 | S$670,000 | S$310,000 | S$11,620 | 62 |
| Hougang | 131 | S$966,000 | 7.6 | 6.7 | S$670,000 | S$296,000 | S$11,460 | 64 |
| Jurong East small sample | 36 | S$942,500 | 7.4 | 6.5 | S$670,000 | S$272,500 | S$11,180 | 71 |
| Pasir Ris | 200 | S$925,444 | 7.3 | 6.4 | S$670,000 | S$255,444 | S$10,980 | 66 |
| Woodlands | 188 | S$912,500 | 7.2 | 6.3 | S$670,000 | S$242,500 | S$10,820 | 69 |
| Yishun | 63 | S$900,000 | 7.1 | 6.2 | S$670,000 | S$230,000 | S$10,670 | 61 |
| Bukit Batok older leases | 71 | S$868,000 | 6.8 | 6.0 | S$651,000 | S$217,000 | S$10,300 | 60 |
| Bukit Panjang | 82 | S$851,500 | 6.7 | 5.9 | S$638,625 | S$212,875 | S$10,100 | 72 |
| Sengkang | 117 | S$845,000 | 6.6 | 5.9 | S$633,750 | S$211,250 | S$10,020 | 74 |
| Choa Chu Kang | 94 | S$835,000 | 6.6 | 5.8 | S$626,250 | S$208,750 | S$9,900 | 68 |
| Jurong West | 133 | S$780,000 | 6.1 | 5.4 | S$585,000 | S$195,000 | S$9,250 | 69 |
| Sembawang | 61 | S$750,000 | 5.9 | 5.2 | S$562,500 | S$187,500 | S$8,900 | 74 |
small sample 30 to 59 sales; towns with fewer than 30 are left out. older leases more than half the sales had under 60 years of lease left, so HDB would lend less than shown.
These are medians. Your flat and income are not.
Check your own maximum HDB loan, with your ages, income and price.
Questions on HDB resale prices and income
How much do I need to earn to buy a 4-room HDB resale flat?
For the HDB loan to reach the full 75% of a median 4-room resale flat (S$630,000 in the 12 months to October 2026), two buyers aged 35 need a household income of about S$7,470 a month. The other 25%, S$157,500, still comes from CPF, cash or grants. The median household earned S$10,591 a month from work in 2025, excluding employer CPF.
Which HDB town is the cheapest for a 4-room flat?
Jurong West, with a median 4-room resale price of S$534,500 in the 12 months to October 2026, or 4.2 years of median household income. Next were Woodlands (S$548,000), Jurong East (S$549,444) and Yishun (S$550,000).
Which HDB town is the most expensive?
For a 4-room flat, Queenstown: a median resale price of S$1,030,000 in the 12 months to October 2026, followed by Toa Payoh (S$1,000,888) and Bukit Merah (S$938,000). For a 5-room flat, Queenstown, at S$1,235,940.
What is the price-to-income ratio for an HDB flat?
In the 12 months to October 2026, a median resale flat cost 3.5 years of median household income for a 3-room, 5.0 for a 4-room, 5.9 for a 5-room and 7.2 for an executive flat. That uses income from work excluding employer CPF (S$10,591 a month in 2025). Including employer CPF (S$12,027), a 4-room is 4.4 years.
Is the HDB loan 75% or 80%?
75%. HDB cut its loan limit from 80% to 75% of the price or value for resale applications from 20 August 2024. Your loan can be lower if your income or age limits it. Check your own figures with the HDB loan calculator .
Method
- Prices: median resale price per town and flat type, all sales registered November 2025 to October 2026. Towns with fewer than 30 sales of a flat type are not reported.
- Income: SingStat monthly household employment income, resident employed households, 2025 (preliminary). Median S$10,591 excluding employer CPF, S$12,027 including it; 40th percentile S$8,498; 20th percentile S$4,628.
- Years of income: median price divided by 12 months of income, on either basis.
- HDB loan: the lower of 75% of the price and the loan whose instalment is 30% of income over 25 years, sized at HDB's 3% assessment rate and rounded down to S$100. Worked out with Perfingo's HDB loan calculator code, on income excluding employer CPF, as HDB does. Two Singapore Citizen buyers aged 35, no CPF counted.
- Trend: calendar-year median price over the same year's median income, all towns.
Limits of this study
- The median sale is not the median flat: it moves with the mix of flats sold. That is why we show the national trend, not five-year changes for each town.
- For flats whose lease cannot cover the youngest buyer to age 95, HDB lends less than 75%. 66% of 3-room resale flats sold had under 60 years left. HDB does not publish its formula, so the loan here is overstated for them.
- Income covers all resident employed households, not only buyers, and excludes rental and investment income.
- Resale only. BTO flats and housing grants are not included.
- Registration dates trail the deal by about one to two months.
Sources
- HDB, Resale flat prices based on registration date from Jan-2017 onwards , data.gov.sg, updated 7 November 2026
- Department of Statistics Singapore, monthly household employment income excluding employer CPF, median and percentiles, 2025 , data.gov.sg, released 9 February 2026
- Department of Statistics Singapore, the same tables including employer CPF , data.gov.sg
- HDB, Housing loan from HDB , rules as of 31 October 2026, as in Perfingo's HDB loan calculator
Free to quote with a link to this page. Data and scripts available on request.
Insight, not financial advice. Figures are medians and illustrations, not a quote for any flat. Last updated .