LTV 75% MSR 30% EHG up to $120k
Inputs
Applicants
Person 1
$
$
$
Person 2
$
$
$
Flat Details
$
%
Options
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Enter your details to get started
Fill in both applicants' incomes, CPF OA balances, and flat details, then click Calculate.
Disclaimer: This calculator is for estimation purposes only based on publicly available HDB/CPF guidelines as of 2026. Actual eligibility and loan amounts depend on HDB's formal assessment via the HDB Flat Eligibility (HFE) letter. Always verify with hdb.gov.sg and cpf.gov.sg. Key rates: CPF OW ceiling S$8,000 (Jan 2026); HDB concessionary interest 2.6% p.a.; LTV 75% (Aug 2024); MSR 30%; EHG up to S$120,000 for families (2024–2025 enhancements).