HDB and BTO Affordability Calculator

🏠HDB / BTO Affordability

Estimate the maximum HDB loan and flat price you could support, using the Mortgage Servicing Ratio (MSR), Total Debt Servicing Ratio (TDSR), an editable stress test rate, and the Loan to Value (LTV) limit.

Gross monthly household income before CPF, all applicants

Other monthly debt repayments car, personal and study loans, card minimums

Loan tenure (years) HDB loan max 25, up to age 65

Cash and CPF for downpayment savings you can put down

Loan type

Stress test rate (% per year) as of 2026, edit if changed

LTV limit (%) as of 2026, edit if changed

MSR cap (%) HDB and EC only, as of 2026

TDSR cap (%) all property loans, as of 2026

Estimated maximum HDB loan

S$0

Limited by the lower of the MSR and TDSR monthly repayment caps.

Loan (up to LTV) Your cash and CPF

Estimated flat price you could support

S$0

Allowed monthly repayment (at stress rate)

S$0

Sources: HDB, Housing Loan from HDB (75% LTV from 20 Aug 2024, max tenure 25 years up to age 65) and MAS, Calculating TDSR (MSR 30%, TDSR 55%, medium term interest rate floor). For an official estimate use the HDB Budget Calculator.

This is general information only and an estimate, not financial advice. It does not include HDB eligibility checks, the income ceiling, grants, the variable income haircut, or your CPF Ordinary Account balance, and your actual figures will differ. Verify with HDB and MAS and your bank before committing.