HDB Grant Calculator

HDB Grant Calculator

Check your eligibility for CPF Housing Grants (EHG, PHG, Step-Up Grant).

Total Grant -
EHG -
PHG -
CPF Grant -
Step-Up Grant -

How to Use the Hdbgrant Calculator

Key Takeaways

  • EHG (Enhanced CPF Housing Grant) up to $80,000 is income-tested — only applicable if household income is ≤$9,000/month; the grant reduces by $5,000 for every $1,500 increment in income above $4,500.
  • PHG (Proximity Housing Grant) of $30,000 (living with parents) or $20,000 (within 4km of parents) applies only to resale flats and only if parents/children are SC/PR — one of the most commonly missed grants.
  • First-timer applicants can combine EHG + AHG/SHG + PHG for total grants of up to $110,000 on resale flats — but each has separate income and citizenship conditions that must ALL be met.
  • Grant disbursement: HDB grants go directly to CPF OA and are used for the flat payment — they do not reduce the cash component of your down payment (which must still be paid from cash/CPF OA balance).
  • Half-housing-subsidised applicants (where one partner previously received housing subsidy) receive half the standard grant quantum — this commonly surprises couples where one partner previously owned a subsidised flat.

What It Does

Find out which HDB housing grants you qualify for and how much you can receive. Covers Enhanced CPF Housing Grant (EHG), Family Grant, Proximity Housing Grant (PHG), and Singles Grant. Enter your household details for instant results.

You can find this calculator in the Calculators tab on ShiokNest. It updates results instantly as you adjust inputs — no waiting, no page reloads.

Why It Matters

HDB grants can reduce the effective purchase price of a resale or BTO flat by $15,000–$110,000 — but each grant has income ceilings, property conditions, and citizenship requirements that disqualify many buyers. Knowing which grants you qualify for before starting your flat search determines how much you can realistically borrow and what your net down payment will be. Many buyers discover grant ineligibility only after signing the OTP — when it is too late to renegotiate the purchase price.

The single most important number this calculator reveals is your total eligible grant quantum — the combined cash subsidy that reduces your effective flat cost. For a first-timer SC couple earning $4,500/month buying a 4-room resale flat in a non-mature estate, the combined EHG ($80,000), AHG ($35,000), and PHG ($30,000 if eligible) can total $145,000 — transforming a $500,000 resale flat into a net cost of $355,000. This grant total is the ceiling on how much you can offset against the purchase price, and it directly determines your minimum cash down payment and CPF usage.

The most common mistake buyers make is applying only the grants they have heard of, missing others they qualify for. The Enhanced CPF Housing Grant (EHG) replaced the AHG and SHG in 2019 — but the AHG and SHG still apply to applications submitted before the EHG rollout. The Proximity Housing Grant (PHG) is consistently overlooked by resale buyers who live within 4km of parents but have not verified eligibility. The calculator runs all applicable grants in parallel so you see your maximum eligible total.

Use this calculator alongside the BTO vs Resale Calculator and the HDB Loan Calculator to build a complete picture of your housing costs before committing to a flat.

How It Works

  • Navigate to Calculators — Click the "Calculators" tab in the ShiokNest navigation bar. All 47 calculators are grouped by purpose for easy access.
  • Select the calculator — Choose "How to Check HDB Grant Eligibility" from the calculator list. You will see default values already loaded so you can explore immediately.
  • ️ Enter your values — Replace the defaults with your own numbers. The key fields are:
  • Review the results — The calculator updates instantly as you change any input. Key results are displayed in KPI cards and charts that update as you adjust inputs.
  • Run what-if scenarios — This is where the real power lies. Change one variable at a time to see its impact. For example, try increasing the interest rate by 1% or extending your holding period by 5 years. Note how the results shift.
  • Compare and decide — Run 2-3 different scenarios and note the results. This gives you a range of outcomes to base your decision on, rather than relying on a single projection.

Examples

First-timer SC couple, $5,000 household income: maximum grant combination

Inputs
Buyer profiles
SC couple — both first-timers, no prior housing subsidy
Household income
$5,000/month
Flat type
4-room resale, non-mature estate
Proximity
Buying within 4km of parents (eligible for PHG)
Results
EHG
$75,000 (income $5,000 — EHG at $75K bracket)
CPF Housing Grant (Resale)
$50,000 (4-room, non-mature estate)
PHG
$20,000 (within 4km of parents)
Total grant quantum
$145,000

How to read this: At $5,000 household income, this couple qualifies for $145,000 in combined grants on a resale 4-room flat. If the flat is priced at $480,000, the effective net cost drops to $335,000. All $145,000 flows into CPF OA, reducing how much CPF savings are needed for the purchase. The couple must still pay 10% down payment from cash/CPF (if using HDB loan) or 5% cash + 20% CPF (if using bank loan). The grant does not eliminate these minimums — it reduces the total CPF required from savings. Import...

Half-housing-subsidised applicant: understanding the reduced grant

Inputs
Buyer profiles
SC (first-timer) + SC (second-timer, previously owned resale with grant)
Household income
$7,000/month
Flat type
5-room resale, mature estate
PHG eligible?
No — not buying near parents
Results
Full EHG (both first-timers)
$55,000 (income $7K)
Actual EHG (half-subsidised)
$27,500
CPF Housing Grant (Resale, half)
$25,000 (5-room, mature)
Total grant quantum
$52,500 (vs $107,500 if both first-timers)

How to read this: The half-housing-subsidised rule reduces the grant quantum by half. If both partners were first-timers, total grants would be $107,500. Because one partner previously received a housing subsidy, they receive $52,500 — a $55,000 reduction. For buyers planning their budget, this distinction is critical: a couple who assume $107,500 in grants and plan their purchase price around that figure will face a $55,000 shortfall if the calculator reveals only $52,500. The grant calculator flags the hal...

Tips & Pitfalls

Expert Tips

  • Use realistic assumptions — Singapore condo appreciation has historically averaged 2-4% per year. Avoid overly optimistic projections. When in doubt, use 3% as a baseline.

Common Pitfalls

  • Assuming grants reduce the cash component — HDB grants are disbursed to CPF OA, not as cash. They reduce the amount you need to draw from CPF OA, but the minimum 5% cash down payment for bank loans and 10% for HDB loans must still be funded from cash savings.
  • Missing the PHG due to proximity miscount — "Living within 4km" for PHG is measured as straight-line distance between postal codes, not driving distance. Use the HDB checker to confirm — a 4.1km separation disqualifies the grant entirely.
  • Overlooking the half-housing-subsidised rule — If one applicant previously received a housing subsidy (BTO, EC, or resale grant), the household qualifies for only half the standard grant quantum. Many buyers assume full grant eligibility without checking their subsidy history.

Frequently Asked Questions

Is my data saved?
No. All calculations run entirely in your browser. Nothing is stored on our servers or shared with third parties.
What is the maximum HDB grant I can receive?
The maximum combined grant for first-timer SC couples on resale flats is up to $110,000: EHG $80,000 (income ≤$4,500/month) + CPF Housing Grant $50,000 (4-room/5-room non-mature) reduced by overlap rules, plus PHG up to $30,000 if proximity-eligible. For BTO flats, EHG up to $80,000 applies but CPF Housing Grant and PHG do not. Check HDB's website for current grant tables as quantum is updated periodically.
Can I save my results?
Log in to save scenarios to your dashboard, or use the share button to copy a URL that encodes your inputs.
Do HDB grants need to be repaid?
HDB grants do not need to be repaid in cash — but CPF grants must be refunded to CPF OA with 2.5% p.a. accrued interest when you sell the flat. This is the same CPF accrued interest rule that applies to all CPF used for property. The grant amount + accrued interest is deducted from your sale proceeds and returned to your CPF OA account. It is not a penalty — it is a return of subsidised funds to your retirement savings.
Can PRs receive HDB grants?
PRs have limited grant eligibility. SC/PR couples (one SC + one PR applicant) may qualify for some grants at reduced quantum. Full-PR households are not eligible for most CPF Housing Grants or EHG. The PHG requires at least one applicant to be SC. Use the eligibility calculator with both applicants' citizenship statuses to see the exact grants available for your household profile.

Related Resources

Article How to Understand Progressive Payment Schedules Article How to Calculate HDB Rental Yield Article How to Compare BTO vs Resale HDB Article How to Compare HDB Loan vs Bank Loan Article How to Read the Property Price Index Calculator How to Compare HDB Loan vs Bank Loan
Disclaimer: Figures shown are estimates for planning purposes only. Rates, rules, and grant quanta change frequently — verify with your bank, HDB, or a licensed financial advisor before acting.