November 2026 BTO: 7 projects, prices and calculator

Compare all 7 projects

HDB "from" prices, rounded up to the nearest S$1,000, before grants and (in brackets) after the grants HDB shows. Source: HDB Flat Portal, 4 Nov 2026. Tap a column heading to sort.

Town Flat type Class Max starting price (S$)

Project	Town	Class	Flats	Flat types and prices (before grants)	Wait	MOP / clawback	Nearest MRT	Grants that may apply

Prime, Plus and Standard, in short

Standard

5-year minimum occupation period (MOP).
No subsidy clawback when you sell.
This round: Sembawang Anchor, Plantation Dew, Chencharu Acres.

Plus

10-year MOP.
Additional subsidies, with a subsidy clawback on resale: 9% at Bayshore Oasis and Bayshore Sails, 8% at Merpati Meadow.
The clawback is a percentage of the resale price or valuation, whichever is higher.

Prime

10-year MOP.
Higher subsidies, with an 11% clawback at Toa Payoh Hillside.
Stricter resale conditions apply.

Timeline

4 to 11 Nov 2026
Applications open. Closes 11.59pm, Wed 11 Nov.

January 2027
Queue positions released (computer ballot, not first come first served).

From March 2027 (tentative)
Flat booking: choose your unit.

Within about 9 months of booking
Sign the Agreement for Lease and pay 10% (with an HDB loan).

At key collection
Pay the balance; the HDB loan starts.

Next exercise: February 2027, about 4,300 BTO flats in Bishan, Tampines, Tengah and Toa Payoh, plus about 5,000 balance flats. Submit HFE documents by 15 Dec 2026 to take part.

Grants for BTO

Enhanced CPF Housing Grant (EHG)

For first-timers buying a BTO or a resale flat. Credited to your CPF Ordinary Account.
Families: up to S$120,000. Average monthly household income up to S$9,000. The grant steps down in S$500 bands, from S$120,000 (up to S$1,500) to S$5,000 (S$8,501 to S$9,000).
Singles (35 and above): up to S$60,000, income up to S$4,500.
First-timer + second-timer couple: the singles table, based on half the household income (up to S$60,000).
Income is the average gross monthly household income over the 12 months before your HFE letter application.

Full EHG table (families)

Step-Up CPF Housing Grant

S$15,000 for second-timer families who have taken one housing subsidy.
Moving from a 2-room Standard flat (or an older 2-room flat in a non-mature estate) to a 3-room Standard flat, or from an HDB rental flat to a 2-room Flexi or 3-room Standard flat.
Income ceiling: S$8,000 a month (raised from S$7,000 for HFE letters from 24 Aug 2026; HDB confirms in your HFE letter).
This round, the Standard 3-room and 2-room Flexi flats are at Sembawang Anchor, Plantation Dew and Chencharu Acres.

Grants that do not apply to BTO

Proximity Housing Grant (S$20,000 to S$30,000 for families) is for resale flats only.
CPF Housing Grant (Family Grant) is also for resale flats only.
BTO prices already include a subsidy. Plus and Prime flats carry extra subsidies, recovered through the clawback when you sell.

Grant amounts and eligibility are set by HDB and confirmed in your HFE letter. These are estimates.

First-timer BTO calculator (grants included)

Estimates only. Nothing is sent or stored. HDB's assessment in your HFE letter and flat offer applies.

Household type and citizenship First-timer status Second-timer family moving from a 2-room Standard flat (or an older 2-room flat in a non-mature estate) or from an HDB rental flat (Step-Up grant check) Average gross monthly household income (S$) Project Flat type Flat price (S$, editable) CPF Ordinary Account balance, all buyers (S$) Cash available (S$)

How this works. Enhanced CPF Housing Grant (EHG) uses HDB's income bands for first-timer families (up to S$120,000, income up to S$9,000) and the singles table (up to S$60,000, income up to S$4,500). HDB loan: up to 75% of the price, 2.6% a year, 25 years, and the monthly instalment must not exceed 30% of income (Mortgage Service Ratio). With an HDB loan you pay 10% of the price when you sign the Agreement for Lease and the balance of the 25% when you collect your keys, using CPF (including the grant) and/or cash. Stamp duty, legal fees and other grants (for example, the Proximity Housing Grant does not apply to BTO) are not included. Income ceiling to buy a BTO: S$16,000 for families, S$8,000 for singles. These figures are estimates; HDB's assessment applies.

Sell your resale flat, buy a BTO

For HDB owners applying for this BTO. Estimates only; HDB's assessment applies. Nothing is sent or stored.

Your current flat

Expected sale price (S$) Outstanding housing loan (S$) Owner 1: CPF used for the flat, principal plus housing grants (S$) Owner 2: CPF used for the flat, principal plus housing grants (S$) Years since the CPF was used Did you get a housing subsidy for this flat? Resale levy (first subsidised flat sold on or after 3 Mar 2006) Agent commission (% before GST) Legal and other costs (S$)

Your BTO

Project Flat type BTO price (S$, editable) Average gross monthly household income (S$) HDB housing loans taken before (household) Current flat is a 2-room Standard flat (or an older 2-room flat in a non-mature estate): check Step-Up grant Other cash savings (S$) Current CPF OA balances, all buyers (S$)

Timing. You may keep your current flat while you wait. As an existing flat owner, you must sell or transfer it within 6 months of collecting your BTO keys. The 10% at the Agreement for Lease usually comes from your current CPF OA and cash, because the sale proceeds arrive later. For a second HDB loan, HDB first requires you to use the full CPF refund and up to 50% of the cash proceeds from the sale (you may keep up to S$20,000 in your CPF OA). If you buy before selling, the loan is charged at a commercial rate until you sell within 6 months and use the proceeds. The resale levy is deducted from the sale proceeds if you sell after taking possession of the BTO. Your new BTO has its own MOP: 5 years for Standard, 10 years for Plus and Prime.

FAQ

What do I need before I apply?

A valid HDB Flat Eligibility (HFE) letter. The HFE e-service is paused during the application window (4 to 11 Nov) and resumes on 12 Nov. There is an S$10 administrative fee per application.

What are the income ceilings now?

S$16,000 a month for families and S$8,000 for singles, from this exercise. The EHG has its own ceiling: S$9,000 for families and S$4,500 for singles.

Can singles apply?

Singles aged 35 and above can apply for 2-room Flexi flats, which are offered in all 7 projects this round.

How do I improve my chances?

HDB suggests watching the application rates on the HDB Flat Portal, which are updated several times a day, and considering projects with a rate of around 1 or lower.

Who can buy a Community Care Apartment?

From this exercise, seniors aged 55 and above (previously 65). There are 256 at Toa Payoh Hillside.

Should I sell my current flat first?

If you own a flat, eligibility and timing rules apply. Message me with your situation and I will go through the sequence with you.

Own an HDB flat? See what your sale could put towards your next home

Many upgraders start with one question: how much cash and CPF comes back when I sell? Use this quick estimate, then ask me for a PRICE CHECK on your block or a full PROCEEDS breakdown.

Expected sale price (S$) Outstanding housing loan (S$) CPF used for the flat, principal (S$) Years since you started using CPF for the flat Agent commission (% of price, before GST) Legal and other costs (S$)

CPF accrued interest is estimated at 2.5% a year, compounded yearly, on the principal used. Your actual refund is in your CPF statement. GST at 9% is added to the commission. This is an estimate, not a valuation.