HDB Schemes in Singapore
HDB runs a scheme for most stages of living in a flat: the HFE letter and Sale of Balance Flats for getting one, interim rental while a family waits, upgrading and redevelopment for ageing blocks, and the Lease Buyback Scheme and Silver Housing Bonus for older owners. These guides explain who each scheme is for and what it gives.
Who this is for: HDB applicants, flat owners and older households working out which scheme applies to them.
HDB Schemes Guides
Every PropKaki guide on hdb schemes, newest first.
Step-Up CPF Housing Grant 2026: $15,000 to Move Up From a 2-Room or Rental Flat, Who Qualifies and How Far It Goes
The Step-Up CPF Housing Grant is $15,000. In eight of the 12 non-mature towns, from September 2025 to August 2026, the median step from a 2-room resale flat to a 3-room with at least 60 years of lease left ran from $60,000 in Bukit Batok to $157,944 in Sengkang, so the grant covered 9% to 25% of it. Here is who qualifies and which flats count.
HDB Flats Reaching MOP in 2026 and 2027: Every Project, Dakota Breeze's Date, and What Just-MOP Flats Sell For
18,939 flats in 28 projects completed in 2022 start reaching their minimum occupation period in 2027, Dakota Breeze included. The 2021 cohort is already selling: at Alkaff Oasis in Toa Payoh, 4-room flats sold at a median $1,080,000 in 2026.
DBSS and HUDC Flats Explained: What They Were, What DBSS Flats Sell For, and Where the HUDC Estates Went
DBSS flats resold at a median premium of +16% per square metre over same-town HDB flats of similar age in the past two years, and 587 DBSS resales have now reached $1 million or more, up from 229 counted by MND up to early 2023. HUDC estates all went private by 2017, and 13 have since been sold en bloc.
HDB 3Gen Flats: Who Can Buy One, 2026 Prices, the Layout, and What They Resell For
HDB's 3Gen flats are bigger than 5-room flats, yet per square metre they have resold for less than 5-room flats of the same town and age in all 7 towns with enough sales, by 3% to 14%. Here is who can buy one, what they cost new, the layout, and the resale record.
HDB Contra Facility 2026: How to Sell Your Flat and Buy a Resale Flat at the Same Time
Trading up from a 4-room to a 5-room resale flat meant bridging a median gap of $110,000 in 2026 H1. HDB's contra facility lets your sale fund your purchase at the same completion, but only in a set order: your CPF first, cash last, and never for stamp duty or legal fees.
Fresh Start Housing Scheme 2026: How Rental Families Buy a Flat, the $75,000 Grant and Who Qualifies
By 2024 only 132 families had used HDB's Fresh Start Housing Scheme. Since then the grant has risen to $75,000 and first-timer families can join. On HDB's own examples a 50-year lease cuts the price by 22% and turns a family HDB would not lend to into one paying from CPF.
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HDB Schemes — Frequently Asked
What does HDB Schemes cover?
HDB runs a scheme for most stages of living in a flat: the HFE letter and Sale of Balance Flats for getting one, interim rental while a family waits, upgrading and redevelopment for ageing blocks, and the Lease Buyback Scheme and Silver Housing Bonus for older owners. These guides explain who each scheme is for and what it gives.
Who are these HDB Schemes guides for?
HDB applicants, flat owners and older households working out which scheme applies to them.
How many PropKaki guides cover HDB Schemes?
PropKaki publishes 20 guides on hdb schemes, most recently updated 25 September 2026. Every guide is built on real URA, HDB and data.gov.sg data, with the working shown.
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