PROPSBIT CALCULATOR
HDB, EC and Private Property Eligibility Checker
Private condominiums have no income ceiling, but ABSD applies to foreigners and to buyers who own other residential property. For families, HDB's 22 August 2026 announcement raised the ceiling for most HDB schemes from S$14,000 to S$16,000 a month, and for new Executive Condominium units from S$16,000 to S$18,000.
Rates and rules checked 3 November 2026. Free to use. No sign-up and nothing you enter is stored or sent.
How this calculator works
The checker compares your citizenship, household type, income and property ownership with the family income ceilings in HDB's Annex A (revised ceilings for citizen families and singles). For ECs, the higher S$18,000 ceiling applies only to new units in projects whose land sale tender closes on or after 24 August 2026.
Single buyers have different ceilings by scheme (Single Singapore Citizen Scheme or Joint Singles Scheme) and flat type, so the checker points singles to HDB. Only HDB can confirm your eligibility. The result does not consider age rules, grants, priority schemes or minimum occupation periods.
Effective dates. HDB states that the S$18,000 EC ceiling applies to projects whose land sale tender closes on or after 24 August 2026. The part of HDB's announcement we could read does not state the application date from which the S$16,000 family ceiling applies to flats. If you applied for your HDB Flat Eligibility letter before the change took effect, the earlier S$14,000 ceiling may apply to you. Confirm with HDB.
Frequently asked questions
Who can buy a private condominium in Singapore?
There is no income ceiling for private condominiums. Singapore Citizens, PRs and foreigners can generally buy, but ABSD rates differ by profile and number of properties owned.
What is the HDB income ceiling?
According to HDB's Annex A to its 22 August 2026 announcement, the family ceiling for most schemes, including the HDB loan and resale flats with a CPF Housing Grant, rose from S$14,000 to S$16,000 a month. The ceiling for resale Plus or Prime flats without a CPF Housing Grant rose from S$7,000 to S$8,000. Single buyers have separate ceilings by scheme.
What is the Executive Condominium income ceiling?
For new EC units from developers, the family ceiling rose from S$16,000 to S$18,000 a month. HDB states this applies to units in ECs whose land sale tender closes on or after 24 August 2026.
Can I buy an HDB resale flat if I own a property?
Generally you need to dispose of other property first. Confirm the rules for your situation with HDB.
Is this the same as my HFE letter?
No. The HDB Flat Eligibility letter is the official assessment. This tool gives an early indication only.
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Sources and method
Rules and rates were checked on 3 November 2026. They can change; confirm with the official source before you act.