Kalkulator Geran HDB (EHG, Keluarga, Kedekatan, Individu)
Cari jumlah Enhanced CPF Housing Grant (EHG) serta geran Keluarga, Kedekatan dan Individu daripada jadual rasmi HDB.
SC/SC and SC/SPR are family applications. FT+ST is a first-timer with a second-timer. Singles includes SSC and non-resident-spouse pathways for EHG (Singles).
EHG can apply to new and resale flats. Family / Singles Grant and Proximity Grant are resale-only.
Family / Singles Grant amounts differ for 2- to 4-room versus 5-room or larger. Choose 3-room only if you are checking Step-Up as a second-timer.
HDB averages income over the months worked in the 12 months ending two months before the HFE application. Bonuses and employer CPF are excluded.
Resale only. Live-with needs the parent or child listed and occupying the flat for the MOP. Near means within 4 km.
Grant estimate
Grants are credited to CPF Ordinary Accounts, not paid in cash. Stacking depends on first-timer status, flat type and whether the purchase is resale. This is not an HFE letter. Confirm band tables on HDB.
About this HDB grant calculator
There is no single “HDB grant”. First-timer families can stack the Enhanced CPF Housing Grant (EHG) of up to $120,000, a resale Family Grant of up to $80,000 (2- to 4-room) or $50,000 (5-room or larger), and a Proximity Housing Grant of $30,000 (live with) or $20,000 (within 4 km). That is how a resale purchase can reach the often-quoted $230,000 headline. Singles aged 35 and above generally receive half at each layer (EHG up to $60,000, Singles Grant $40,000 / $25,000, PHG $15,000 / $10,000).
EHG is the income-tiered piece and the one people mean by ehg grant calculator. From 20 August 2024 HDB raised the family maximum from $80,000 to $120,000 and the singles maximum from $40,000 to $60,000. Amounts step down across 16 income bands to $5,000 at $8,501–$9,000 (families) or $2,500 at $4,251–$4,500 (singles). The EHG income ceiling did not move with the August 2026 HFE ceiling: it remains $9,000 / $4,500.
Family / Singles Grant and PHG are resale only. A BTO or SBF new flat can still get EHG but not those two. PHG has no income ceiling. Family Grant follows citizenship (SC/SC versus SC/SPR, which withholds $10,000 until the PR becomes a citizen or the couple has an SC child) and whether the household is first-timer plus second-timer ($40,000 / $25,000).
Second-timer families buying a 3-room in a Standard / non-mature estate may see the Step-Up Grant of $15,000 if income is within HDB’s published Step-Up ceiling (this tool uses $7,000 and tells you to confirm; schemes aligned with the singles ceiling may have moved in August 2026).
Not HDB advice. Remaining-lease pro-rating, employment of 12 months, and private-property wait-out rules can zero a grant even when the table shows an amount. Apply for an HFE letter.
How to use it
- Choose citizenship / singles profile and whether you are a first-timer.
- Say BTO/new or resale, and the flat-size band.
- Enter average gross monthly household income.
- Pick proximity if the resale flat is with or within 4 km of parents or a married child.
- Read EHG, Family/Singles, PHG, Step-Up and the total.
Key terms and concepts
EHG is available for new and resale flats, tiered by income, ceiling $9,000 / $4,500.
Family / Singles Grant replaces the older Additional CPF Housing Grant on resale purchases and is a flat amount by citizenship and flat size.
PHG pays $30,000 / $20,000 (families) or $15,000 / $10,000 (singles) and has no income cap.
HFE letter is the only official statement of which grants you get.
Common use cases
- First-timer SC/SC couple on $4,000 income buying a 4-room resale near parents — EHG + Family Grant + PHG.
- Single at 35 buying a 3-room resale alone — EHG (Singles) + Singles Grant, PHG if living with parents.
- BTO applicant checking EHG only (no Family Grant, no PHG).
- FT+ST couple using half-income EHG (Singles) plus the half Family Grant.
Examples
Example 1 — SC/SC first-timers, $4,000 income, 4-room resale, live with parents. EHG $80,000 + Family Grant $80,000 + PHG $30,000 = $190,000.
Example 2 — same couple, BTO. Only EHG $80,000 (Family Grant and PHG are resale-only).
Example 3 — first-timer single, $2,000 income, 4-room resale, no proximity. EHG (Singles) $40,000 + Singles Grant $40,000 = $80,000.
Example 4 — SC/SC first-timers, $10,000 income, 5-room resale, within 4 km. EHG $0 (above $9,000) + Family Grant $50,000 + PHG $20,000 = $70,000.
Important notes
Not legal or financial advice. HDB decides first-timer status, occupancy and lease pro-rating.
EHG bands. Confirm the live PDF on HDB’s EHG families page; this table is the post-20 Aug 2024 16-band schedule.
Income ceilings differ. EHG stays at $9,000 / $4,500. Family Grant follows the HFE ceiling ($16,000 / $8,000 from 24 Aug 2026 on this page). PHG has none.
Grants go to CPF OA and are subject to refund plus accrued interest if you sell.
Frequently asked questions
How much is the Enhanced Housing Grant in 2026?
Up to $120,000 for first-timer families and $60,000 for first-timer singles, from 20 August 2024. The amount is tiered by average monthly household income down to $5,000 at the $9,000 family ceiling.
Can I get EHG on a BTO and a resale flat?
Yes, EHG applies to both new flats from HDB and open-market resale flats. Family Grant and Proximity Grant are resale-only.
What is the Proximity Housing Grant?
$30,000 if a family lives with parents or a married child in the resale flat, or $20,000 if they live within 4 km. Singles receive $15,000 or $10,000. No income ceiling.
Why is SC/SPR Family Grant $10,000 lower?
HDB withholds $10,000 of the Family Grant until the PR applicant becomes a Singapore Citizen or the couple has a Singapore Citizen child (Citizen Top-Up).
Do second-timers get EHG?
Generally no. A first-timer + second-timer couple can be assessed for EHG (Singles) on half of household income. Some second-timer families buying a 3-room Standard-estate flat may get Step-Up $15,000 instead.
Is the EHG income ceiling still $9,000 after August 2026?
Yes on HDB and CPF Board pages used here. The $16,000 figure is the HFE / BTO / Family Grant pathway, not EHG.
Are grants paid in cash?
No. They are credited to CPF Ordinary Accounts and used toward the flat or the housing loan.
Is this official HDB advice?
No. Confirm amounts, remaining-lease pro-rating and eligibility on HDB and via an HFE letter. Tables can change.