Selling and buying
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Sale proceeds and a next purchase, with cash and CPF kept separate.
Open the worksheetTools / Stamp duty
Worksheets and directories to check the numbers before you decide. These are planning estimates, not valuations, loan offers or grant approvals.
Selling and buying
Sale proceeds and a next purchase, with cash and CPF kept separate.
Open the worksheetBuying and selling
Buyer’s and seller’s stamp duty from the stated rates and dates.
Open the worksheetHDB applicants
A one-borrower estimate. HFE still decides eligibility and terms.
Open the estimateHDB resale
See which HDB flat types your budget covers across Singapore, from the last 12 months of resales.
Open the mapHDB applicants
Indicative price ranges for the seven projects in this exercise.
Open the price rangesHDB applicants
Official project pages and site-plan links for the named exercise.
Browse the documentsHDB applicants
The stored exercise snapshot. It is not a live application rate.
Open the snapshotPrivate-home buyers
Source-linked notes on five named projects, not live inventory.
Browse the projectsCheck the source date and your assumptions. Confirm figures with HDB, CPF, IRAS, your lender or an adviser before you commit. Not financial, tax or legal advice.
Questions are welcome. Please leave out identity documents and account details.
Five steps to organise your assumptions. These worksheets do not submit the values you enter; website logging and analytics are separate. Avoid entering personal identifiers. The sale price is a figure you type, not a valuation.
Step 1 of 5
What do you own now?
This price is not a valuation and it is not filled from a transaction database.
Type the principal, accrued interest, grants and any pledged amount. This step does not estimate them.
At market value, CPF credits only the price left after the housing loan when that is less than the required refund, and does not add a cash top-up. A below-market cash top-up is not calculated.
With the dates blank and this box off, no cash-proceeds figure is shown. Unknown duty is not treated as zero.
Type the figure your CPF dashboard or lender says you can use then. The sale credit is not added on top. A Retirement Account top-up is not subtracted from your current Ordinary Account, and the smaller-flat exception is not applied.
One borrower. Commission, bonus, allowance and rent are counted at 70%. This is not a joint application.
Use 1 only if the sale is completed and this is the only home. The count is what you select. ABSD remissions are not applied.
Next home
Buyer’s stamp duty and ABSD use the rates read on 7 Nov 2026. They are a current-rule estimate for a purchase now, not a tax assessment. For joint buyers, choose the profile with the higher statutory rate. Remissions and refunds are not applied.
Seller’s stamp duty follows the acquisition date of this sale, including 4 Jul 2025. It does not reuse the purchase price above.
Source: IRAS SSD. Remissions are not applied.
These worksheets do not submit what you type. They cannot stop the host page from using its own analytics.
Type a budget. Each drawn area is coloured from the median of HDB resales registered 2025-11 to 2026-10 (25,485 resales). 2026-11 is excluded because that month was still open on 7 Nov 2026. Groups with fewer than 3 resales are omitted from the colour and shown as “fewer than 3”. A median is not a valuation of one flat. The shapes are URA Master Plan 2019 planning areas, not HDB town boundaries and not street pins. Central Area and Kallang/Whampoa are table only. The upgrade step does not fill this budget.
Hover or focus a town, then press Enter to open its medians.
Shapes are simplified URA Master Plan 2019 planning-area boundaries. They are not HDB town boundaries and not OneMap. Central Area and Kallang/Whampoa are not drawn. Kallang/Whampoa is not a single planning area in this file, and the file has no planning area named Whampoa, so that town is not placed on Kallang. Both towns are listed in the table only.
Central Area and Kallang/Whampoa are in this table only.
| Town | Median | Resales |
|---|
Type at least three letters. Changing the flat type refreshes the rows. A street median is not a block address.
Resale prices: Housing & Development Board, “Resale flat prices based on registration date from Jan-2017 onwards”, accessed 7 Nov 2026 from data.gov.sg, under the Singapore Open Data Licence version 1.0. Map outlines: Urban Redevelopment Authority, “Master Plan 2019 Planning Area Boundary (No Sea)”, accessed 7 Nov 2026, data.gov.sg, same licence. Not a government site.
This panel does not calculate a distance and does not decide the grant.
HDB distance check for the resale Proximity Housing Grant, checked 7 November 2026. Check distance on HDB (go.gov.sg/hdb-distance-enquiry-phg). This page does not run a distance check; HDB confirms PHG eligibility.
The Family Care new-sales distance page is not this check and is not linked. The CPF guide below was read in full. It is a policy explanation, not a distance checker. Headlines: S$30,000 to live with parents or a child and S$20,000 to live near, within 4 km, for married couples and families, and S$15,000 and S$10,000 for single citizens. Eligibility is not decided here.
CPF guide, 9 May 2025. Policy explanation, not a distance checker.
These worksheets do not submit what you type. They cannot stop the host page from using its own analytics.
This section does not update itself. HDB launched 7,964 flats in 7 projects. Applications run from 4 November 2026 and close 11 November 2026, 11.59pm SGT. HDB's Flat Portal says successful applicants are chosen by computer ballot, not by who applies first. The Flat Portal describes this exercise as having a waiting time of less than 4 years. Waiting time, price, subsidy recovery and Minimum Occupation Period for each project are not repeated here.
Prices, site pins, school distances and subsidy recovery are not shown in this comparison. Official project and site-plan links are in the document directory.
BTO documents · Indicative price ranges
Flat types on the HDB Flat Portal: 2-Room Flexi, 4-Room.
Flat types on the HDB Flat Portal: 2-Room Flexi, 3-Room, 4-Room.
Flat types on the HDB Flat Portal: 2-Room Flexi, 4-Room.
Flat types on the HDB Flat Portal: 2-Room Flexi, 3-Room, 4-Room, 5-Room.
Flat types on the HDB Flat Portal: 2-Room Flexi, 3-Room, 4-Room, 5-Room, 3Gen.
Flat types on the HDB Flat Portal: Community Care Apartment, 2-Room Flexi, 4-Room.
Flat types on the HDB Flat Portal: 2-Room Flexi, 3-Room, 4-Room, 5-Room.
HDB said application numbers updated through the day, with a final update on 12 Nov 2026 at 2pm. Shared rows are not split between projects.
| Where | Flat type | Units | Applicants | As published |
|---|---|---|---|---|
| Toa Payoh · Toa Payoh Hillside (Prime) | Community Care Apartment | 256 | 334 | Application rate 1.3 as at 7 Nov 2026. |
| Bedok · Bayshore Sails and Bayshore Oasis (Plus) | 2-Room Flexi | 1,237 | 2,932 | HDB publishes these two projects on one row. Rates: seniors 1.9, first-timer families 0.1, first-timer singles 4.0, second-timer families 0.2. |
| Geylang · Merpati Meadow (Plus) | 2-Room Flexi | 167 | 441 | Rates: seniors 1.8, first-timer families 0.4, first-timer singles 5.7, second-timer families 0.6. |
| Sembawang · Sembawang Anchor (Standard) | 2-Room Flexi | 333 | 476 | Rates: seniors 1.3, first-timer families 0.0, first-timer singles 2.2, second-timer families 0.4. |
| Tengah · Plantation Dew (Standard) | 2-Room Flexi | 178 | 1,144 | Rates: seniors 4.4, first-timer families 1.2, first-timer singles 13.3, second-timer families 2.0. |
| Toa Payoh · Toa Payoh Hillside (Prime) | 2-Room Flexi | 592 | 2,144 | Rates: seniors 3.9, first-timer families 0.2, first-timer singles 5.2, second-timer families 0.2. |
| Yishun · Chencharu Acres (Standard) | 2-Room Flexi | 392 | 1,446 | Rates: seniors 3.3, first-timer families 0.4, first-timer singles 5.8, second-timer families 1.1. |
| Bedok · Bayshore Sails (Plus) | 3-Room | 90 | 455 | First-timer families 1.8, second-timer families 34.2. |
| Bedok · Bayshore Sails and Bayshore Oasis (Plus) | 4-Room | 1,165 | 3,202 | First-timer families 1.9, second-timer families 10.4. Not split between the two projects. |
| Geylang · Merpati Meadow (Plus) | 4-Room | 271 | 415 | First-timer families 1.1, second-timer families 5.7. |
| Sembawang · Sembawang Anchor (Standard) | 3-Room | 96 | 119 | First-timer families 0.7, second-timer families 3.4. |
| Sembawang · Sembawang Anchor (Standard) | 4-Room | 464 | 283 | First-timer families 0.5, second-timer families 1.9. |
| Sembawang · Sembawang Anchor (Standard) | 5-Room | 417 | 112 | First-timer families 0.2, second-timer families 1.1. |
| Tengah · Plantation Dew (Standard) | 3-Room | 84 | 294 | First-timer families 2.0, second-timer families 10.0. |
| Tengah · Plantation Dew (Standard) | 4-Room | 168 | 845 | First-timer families 3.9, second-timer families 15.8. |
| Tengah · Plantation Dew (Standard) | 5-Room / 3Gen | 280 | 1,036 | HDB combines 5-room and 3Gen on this row. First-timer families 2.5, second-timer families 14.6. |
| Toa Payoh · Toa Payoh Hillside (Prime) | 4-Room | 584 | 3,600 | First-timer families 3.9, second-timer families 26.4. |
| Yishun · Chencharu Acres (Standard) | 3-Room | 84 | 362 | First-timer families 1.7, second-timer families 15.4. |
| Yishun · Chencharu Acres (Standard) | 4-Room | 462 | 1,190 | First-timer families 1.7, second-timer families 10.7. |
| Yishun · Chencharu Acres (Standard) | 5-Room | 644 | 1,702 | First-timer families 1.5, second-timer families 12.6. |
HDB Flat Portal · HDB flat supply and applications, November 2026 exercise
These worksheets do not submit what you type. They cannot stop the host page from using its own analytics.
Type the price from the HDB Flat Portal. This draft has no BTO price list and does not award a grant. It does not test an income ceiling. A loan is estimated only if you confirm the HFE letter. A short-lease 2-room Flexi or a Community Care Apartment is not given a loan. Planning estimates only, not financial, tax or legal advice.
An amount printed on an HFE letter is not applied to the price. The CPF guide read on 7 Nov 2026 does not say whether that amount is already inside the Ordinary Account balance, or whether it can be used at the Agreement for Lease. Applying it could count the same money twice, or count money that is not available yet. The family Enhanced grant table lookup, when a cell is shown, is not included in the funding estimate. A second HDB loan is estimated only on the branches named beside that result. It is not a complete eligibility decision.
BTO document directory · opened 7 Nov 2026
Exercise
7,964 flats in 7 projects. Official project pages and site-plan links. No coordinates were exposed.
Exercise
6,952 flats in 7 projects from Annex A. One brochure link, for Sembawang Portico. Other brochure names were not guessed.
A non-exhaustive set of HDB pages that were opened. Indicative prices in HDB’s June annex were read and are not repeated here. Site-plan images are linked and are not copied. The November town-map section stayed on Loading and did not expose a coordinate, so none is inferred and this block has no map.
June 2026 · Standard
Units. Annex A unit rows sum to 875. The brochure says 875 flats in 3 blocks of 26 storeys, and that one block includes 50 rental flats.
Place. The brochure says the project is bounded by Admiralty Lane and Sembawang Drive, and names blocks 433A, 433B and 434A. No coordinate was verified, so it is not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 31 months. The brochure says a shorter wait of less than 3 years. HDB defines estimated waiting time from the selection exercise to the projected completion month. That is not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB Annex A, June 2026 BTO flat supply · HDB sales brochure, Sembawang Portico, June 2026
June 2026 · Standard
Units. Annex A unit rows sum to 1,160, including 29 3Gen flats.
Place. A street boundary was not in Annex A. No June brochure for this project was opened. Not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 33 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
June 2026 · Standard
Units. Annex A unit rows sum to 656.
Place. Annex A does not name a town or a street. Not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 42 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
June 2026 · Plus
Units. Annex A unit rows sum to 485.
Place. Annex A does not name a street. Not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 37 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
June 2026 · Plus
Units. Annex A unit rows sum to 579.
Place. Annex A does not name a street. Not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 52 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
June 2026 · Prime
Units. Annex A unit rows sum to 1,221.
Place. Annex A does not name a street. Not pinned.
Estimated waiting time, not TOP. Annex A: estimated waiting time 51 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
June 2026 · Prime
Units. Annex A unit rows sum to 1,976.
Place. Annex A does not name a street. Not pinned.
Estimated waiting time, not TOP. Annex A lists estimated waiting time as 49/54 months. Not an issued TOP.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
November 2026 · Plus
Units. Flat Portal: 2-room Flexi and 4-room. HDB’s application table combines Bedok 2-room Flexi (1,237) and 4-room (1,165) with Bayshore Sails. Those counts are not split here.
Place. HDB’s project page says the site is bounded by Bayshore Drive and Bayshore Walk. The town-map section stayed on Loading and did not expose a coordinate. None is inferred. Not pinned.
Timing. The Flat Portal describes the November exercise waiting time as less than 4 years. A per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Bayshore Oasis · HDB site plan, Bayshore Oasis
November 2026 · Plus
Units. Flat Portal: 2-room Flexi, 3-room and 4-room. The application table attributes 90 3-room flats to Bayshore Sails. The Bedok 2-room and 4-room rows are shared with Bayshore Oasis.
Place. HDB’s project page says Bayshore Road and Bayshore Drive. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened. Exercise-level note: less than 4 years.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Bayshore Sails · HDB site plan, Bayshore Sails
November 2026 · Standard
Units. Application rows that name only this project sum to 1,582 (2-room Flexi 392, 3-room 84, 4-room 462, 5-room 644).
Place. HDB’s project page says Yishun Street 82, Yishun Walk and Yishun Avenue 2. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Chencharu Acres · HDB site plan, Chencharu Acres · HDB town map, Chencharu Acres
November 2026 · Plus
Units. Application rows sum to 438 (2-room Flexi 167, 4-room 271).
Place. HDB’s project page says Merpati Road, adjacent to Aljunied Park. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Merpati Meadow · HDB site plan, Merpati Meadow
November 2026 · Standard
Units. Application rows sum to 710, with 5-room and 3Gen published as one row of 280.
Place. HDB’s project page says Tengah Garden Avenue and Plantation Walk. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Plantation Dew · HDB site plan, Plantation Dew
November 2026 · Standard
Units. Application rows sum to 1,310 (2-room Flexi 333, 3-room 96, 4-room 464, 5-room 417).
Place. HDB’s project page says Admiralty Lane and Sembawang Drive. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Sembawang Anchor · HDB site plan, Sembawang Anchor
November 2026 · Prime
Units. Application rows sum to 1,432 (Community Care Apartments 256, 2-room Flexi 592, 4-room 584).
Place. HDB’s project page says Toa Payoh Rise and Toa Payoh Link. The town-map section did not expose a coordinate. None is inferred. Not pinned.
Timing. Per-project wait was not on the pages opened.
Not in the sources opened here. Price, nearest MRT, schools, and subsidy recovery.
HDB November 2026 BTO exercise · HDB project page, Toa Payoh Hillside · HDB site plan, Toa Payoh Hillside
June and November cards share this grid. The filter above shows one exercise.
No separate November 2026 PDF brochure was found. Each November project page and its site-plan image are linked above. HDB owns the copyright in those plans. This block does not copy the images.
June brochure confirmed and linked: Sembawang Portico only. The other June brochure file names were not guessed.
HDB’s copyright notice in the Sembawang Portico brochure says HDB owns the copyright in the information, maps and plans. This block only links that PDF.
HDB Annex A, June 2026 BTO flat supply · HDB sales brochure, Sembawang Portico, June 2026 · HDB November 2026 BTO exercise · HDB Flat Portal · HDB application rates, November 2026 exercise
Five projects · one pin · opened 7 Nov 2026
Five projects from developer or consortium releases. This is not every launch on sale, and it is not live inventory. Announced prices are not repeated. Region, bedroom, budget and tenure chips are not shown: the new-sale record set those chips need is not loaded. One approximate pin is drawn, for Newport Residences. The Development Register on data.gov.sg has polygons without project names; those polygons are not matched by guesswork.
Approximate address point from BCA Green Mark Buildings on data.gov.sg, dataset d_da116ef216e3fb501846e1c9faf7e683. The records named Fuji Xerox Towers and 80 Anson Road - Residential share longitude 103.8435864485311 and latitude 1.273117372711353. The file field FMEL_UPD_D on those records is 20220401141617. CDL’s release identifies Newport Residences as the redevelopment of the former Fuji Xerox Towers site. This is that point, not a unit and not a new survey.
Developer-estimated completion, not an issued TOP.
City Developments Limited and Mitsui Fudosan (Asia)
The 7 October 2025 release says Kim Seng Road, and that the sales gallery is on Ganges Avenue. The developer location page states Lot 02478W TS24 at Zion Road. That page does not publish a latitude or longitude. Not pinned. The sales gallery is not marked.
706 residential units in two 62-storey towers. Part of an integrated development with direct access to Havelock MRT, as stated by the developers. The developer location page says leasehold 99 years commencing from 15 July 2024.
The 7 October 2025 release says it is slated for completion in 2030. It does not say a Temporary Occupation Permit has been issued.
No coordinate in the sources below. Not pinned.
Completion and TOP not stated in the source that was read.
City Developments Limited
CDL’s 14 January 2026 release says the site is the former Fuji Xerox Towers on Anson Road. The pin is the Green Mark address point those records share with the record named 80 Anson Road - Residential. It is not a surveyed boundary of the new building.
246 units on levels 23 to 45 of the 45-storey Newport Plaza. Freehold residential part of a mixed-use building. The release says the residence is freehold.
The 14 January 2026 release does not state a completion year or a TOP date.
Approximate pin on the map.
CDL newsroom, 14 January 2026 · CDL news release PDF, Newport Residences · BCA Green Mark Buildings, data.gov.sg
Completion and TOP not stated in the source that was read.
City Developments Limited
CDL’s factsheet says the site is 30, 32, 34, 36 and 38 Lakeside Drive. The sales gallery on Yuan Ching Road is not the site and is not pinned. URA’s 8 April 2025 annex links a Lakeside Drive location plan, and the 9 June 2025 award names that site at 13,485.1 square metres. The factsheet land area is approximately 145,152 square feet. The location-plan page did not expose a coordinate, so the site is not pinned.
570 units in five 17-storey towers. Mixed-use development the release says is directly linked to Lakeside MRT. CDL’s factsheet says 99 years leasehold from 8 September 2025.
The 16 September 2026 release does not state a completion year or a TOP date.
No coordinate in the sources below. Not pinned.
CDL newsroom, 16 September 2026 · CDL news release PDF, Lucerne Grand · URA location plan, Lakeside Drive · URA tender award, Lakeside Drive
Expected vacant possession, not an issued TOP.
Frasers Property, CSC Land Group and Sekisui House
The Frasers Property factsheet gives the site as 760, 762, 766, 768 and 770 Dunearn Road, planning area Bukit Timah, subzone Swiss Club. The showsuite at Evans Road is not the development and is not pinned. URA’s annex links a Dunearn Road location plan. The 3 July 2025 award is for a Dunearn Road site of 13,491.9 square metres, the same site area as the factsheet. That location-plan page did not expose a coordinate, so the site is not pinned.
380 units in two 19-storey blocks and three 10-storey blocks. Private residential project. The factsheet describes one basement car park. The factsheet says 99 years commencing from 30 September 2025.
The factsheet says expected vacant possession is 31 December 2030. It does not say a Temporary Occupation Permit has been issued.
No coordinate in the sources below. Not pinned.
Frasers Property newsroom, 8 July 2026 · Frasers Property news release PDF, Dunearn House · URA location plan, Dunearn Road · URA tender award, Dunearn Road
Expected TOP, not an issued TOP.
UOL Group and CapitaLand Development
Bright Hill Drive, Upper Thomson, as stated in the 15 October 2026 release. The release PDF does not publish a latitude or longitude. Not pinned.
1,268 units: four 21-storey towers and two 30-storey towers. 99-year leasehold. The release says a sheltered walkway links it to Upper Thomson MRT. The release says 99-year leasehold.
The release says Thomson Reserve is expected to receive its Temporary Occupation Permit in the second half of 2030. That is an expected TOP, not an issued TOP.
No coordinate in the sources below. Not pinned.
UOL and CapitaLand news release PDF, 15 October 2026 · UOL copy of the Thomson Reserve release
I'll look at your actual situation and what still needs an official check.