Sole Contributor — What this means:
1 · Timeline & Property
2 · Monthly Income (Per Year)
3 · Housing Grants
4 · Loan Details
⚠️ First 5% must be cash — CPF cannot cover the option/booking fee
⚠️ Remaining 20% can be CPF OA or cash
⚠️ TDSR 55% applies (total debt obligations incl. car loan, etc.)
Fixed packages revert to floating after lock-in. Floating rates move with SORA. For long-term planning, consider using a blended estimate.
HDB rate = CPF OA rate + 0.1%. Reviewed quarterly — subject to change.
Home Protection Scheme (HPS)
Mandatory if using CPF for your loan. Calculate premium →
5 · Current CPF (Ordinary Account)
*Expected total CPF injection rate is 35%.
6 · Optional Cash Injections
Pay extra cash at key stages to reduce CPF usage.
Cash at Lease Agreement
Toward 1st downpayment · saves CPF
Cash at Key Collection
Toward balance payment · saves CPF / loan
Cash for Monthly Mortgage
Reduces CPF used each month
Remainder covered by CPF. Cash top-up shown in Phase 3.
Enter your details and press Calculate
Your payment breakdown will appear here.
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Disclaimer
All figures shown are estimates only and are intended as a rough guide to help you understand what to expect and how much to save. Actual amounts — including grants, stamp duties, legal fees, loan eligibility, and monthly repayments — may differ depending on your specific circumstances and HDB's prevailing policies at the time of your application. Please verify all figures with HDB or a qualified financial adviser before making any financial decisions.