HDB Resale Cost Calculator

Estimate the upfront cash and CPF needed to buy an HDB resale flat. Toggle between HDB loan and bank loan, or compare both. All maths runs in your browser.

Your purchase

HDB resale price (SGD)

CPF OA available (optional)

Your age (optional)

Loan type

HDB loan Bank loan

I'm using my own buyer's agent (1% fee) Show HDB loan and bank loan side-by-side

Upfront cost breakdown

Estimates based on Singapore rules current at time of writing (BSD tiers, 75% LTV, $500 mortgage stamp cap). Legal, valuation, and fire insurance shown as flat estimates — actual fees vary. CPF usage capped at items that allow CPF (excludes mandatory cash, fire insurance, agent fee). Always verify with HDB, your bank, and a conveyancing lawyer before committing.

Monthly repayment

Interest rate (% p.a.)

Loan tenure (years)

Default rates: HDB loan 2.6%, bank loan 3.0% — adjust above for your actual offer. Bank rates are typically variable; this calculation assumes a flat rate over the full tenure.