Close to 8 in 10 BTO flats have waiting times of less than 4 years

HDB launched a total of 9,012 flats for sale today, under the February 2026 Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises, offering homebuyers a wide range of housing options to meet different housing needs. This includes:

• 4,692 BTO flats offered across six projects in Bukit Merah, Sembawang, Tampines and Toa Payoh; and 
• 4,320 balance flats, located islandwide, under the concurrent SBF exercise.
  
  

2 The flats offered in the February sales exercises provide homebuyers the option of earlier access to their homes with the choice of either BTOs or SBF flats. About 8 in 10 BTO flats on offer have waiting times of less than 4 years, while close to 1 in 5 SBF units have already been completed. 

Wide Selection of Affordable Flats for Different Budgets and Needs

3 A wide selection of flats, ranging from 2-room Flexi to 5-room BTO flats, is available to cater to the diverse housing needs and budgets of Singaporeans. Of the six projects on offer, three are Standard projects in Sembawang and Tampines, two are Plus projects in Tampines and Toa Payoh, while the remaining is a Prime project in Bukit Merah. See Table 1 for the projects and their classification.

Table 1: Classification of BTO Projects on Offer in February 2026 BTO Exercise

Additional Subsidies for Plus and Prime Flats

4 All new flats are priced with significant market discounts, via government subsidies, to ensure affordability for our home buyers. On top of these market discounts, Plus and Prime flats, which command higher market values due to their more favourable locational attributes, also receive additional subsidies to ensure that they remain affordable, accessible and inclusive for a wider group of home buyers.

5 To maintain fairness for all BTO flat owners, Plus and Prime flats come with additional restrictions, including a subsidy recovery upon resale. At the point of selling the flat after meeting the 10-year Minimum Occupation Period (MOP), owners of Plus and Prime flats will be required to pay HDB a percentage of the resale or valuation price (whichever is higher) of the flat. The subsidy recovery rates commensurate with the extent of the additional subsidies provided for the respective projects. See Table 2 for the subsidy recovery rates of the projects. 

Table 2: Subsidy Recovery Percentages for Plus and Prime Projects on Offer in 2026 Feb BTO Exercise 

Flat Prices

6 Eligible first-timer (FT) families can also benefit from the Enhanced CPF Housing Grant (EHG) of up to $120,000. With the EHG, homebuyers can purchase a 3-room Standard flat starting from $156,000, or a 4-room Standard flat starting from $224,000. See Table 3 for the starting prices of the BTO flats before and after grants. More details on the BTO flat prices and nearby resale transactions can be found in Annex A.

Table 3: Flat Prices in February 2026 BTO Exercise

Note: Selling prices are rounded up to the nearest thousand dollars.

^  Unless otherwise stated, the starting prices of the flats are based on 99-year leases. For illustration purposes, the assumed EHG amounts are:
i) 2-room Flexi flat: $120,000
ii) 3-room flat: $105,000 (Standard project) and $90,000 (Plus and Prime project)
iii) 4-room flat: $80,000 (Standard project) and $55,000 (Plus and Prime project) 
iv) 5-room flat: $55,000 (Standard project)

The starting prices after grant amounts are illustrative. The actual grant amount received will depend on the household’s income and eligibility. Read more about EHG on the HDB InfoWEB.

~   Prices include the costs of floor finishes, internal doors and sanitary fittings, which are provided in the flats  
#    Details on the comparable resale flats can be found on the HDB Flat Portal. The differences in attributes between the comparable resale flats and the BTO flats should be taken into account when making a comparison.

Housing Options for Different Household Incomes

7 Interested flat applicants will be able to choose from a wide selection of flats to suit their budgets and preferences. For example, based on typical selling prices:

(a) First-timer Families/Couples

• Eligible FT families with a monthly household income of $4,000 can receive an EHG of $80,000. They can purchase a 3-room flat in any of the Standard projects, a 3-room Plus flat in Kim Keat Crest or a 4-room Standard flat in Sembawang Voyage and Sembawang Deck, using their CPF contributions to service their monthly mortgage payments, with little or no cash payment.
  
  
• Eligible FT families with a monthly household income of $7,000 can receive an EHG of $30,000. They can purchase a 3-room flat in any project, a 4-room in any of the Standard and Plus projects, or a 5-room Standard flat in Sembawang Voyage and Sembawang Deck, using their CPF contributions to service their monthly mortgage payments, with little or no cash payment.
    
• Eligible FT families with a monthly household income of $9,000 can receive an EHG of $5,000. They can purchase a 3-room, 4-room or 5-room flat in any project, using their CPF contributions to service their monthly mortgage payments, with little or no cash payment. 

(b) First-timer Singles

• Eligible FT singles with a monthly income of $3,500 can receive an EHG of about $15,000. They can purchase a 2-room Flexi flat in any of the Standard or Plus projects, using their CPF contributions to service their monthly mortgage payments, with little or no cash payment.
  
  
• Eligible FT singles with a monthly income of $4,500 can receive an EHG of about $2,500. They can purchase a 2-room Flexi flat in any of the Standard, Plus or Prime projects, using their CPF contributions to service their monthly mortgage payments, with little or no cash payment. 

Supporting Singaporeans’ Housing Aspirations 

8 To support more public rental households with children in realising their home ownership aspirations, the Fresh Start Housing Scheme has been extended to eligible FT families with children staying in public rental flats². From the February 2026 BTO sales exercise, FT families emplaced on the scheme will be able to buy a 2-room Flexi or 3-room Standard flat on a shorter lease, which will be more affordable compared to those on 99-year leases, and receive the EHG of up to $120,000.

February 2026 Sale of Balance Flats Exercise

9 In addition to the BTO flats, HDB will offer 4,320 balance units at various locations, providing more options for home buyers. Like BTO flats, the SBF flats are priced with significant market discounts. The starting prices of balance units before and after the EHG are set out in Table 4, while the respective subsidy recovery rates for the Plus/Prime units are indicated on the HDB Flat Portal.

Table 4: Starting Flat Prices of Feb 2026 SBF Exercise

Note:

- Selling prices are rounded up to the nearest thousand dollars. To check the remaining lease of each block, please refer to HDB Flat Portal.

^    Unless otherwise stated, the starting prices of the flats are based on 99-year leases / remaining leases. For illustration purposes, the assumed EHG amounts are:

i) CCA/2-room Flexi flat: $120,000
ii) 3-room flat: $105,000
iii) 4-room flat: $80,000
iv) 5-room/3Gen flat: $55,000

The starting prices after grant amounts are illustrative. The actual grant amount received will depend on the household’s income and eligibility. Read more about EHG on the HDB InfoWEB.

#    CCA prices include costs of pre-installed senior friendly fittings and features, and do not include the costs of the mandatory Basic Service Package and optional services.

*    Buyers need to pay 5% of the published price using their CPF and/or cash savings when their EHG amount exceeds 95% of the published price.

Advice for Flat Buyers 

10 Applicants who wish to participate in the February 2026 BTO and SBF exercises must have a valid HDB Flat Eligibility (HFE) letter³ when they submit their flat application. HDB had earlier announced that potential flat applicants should apply for an HFE letter and submit all required documents by 15 December 2025, to ensure that they can obtain their HFE letters on time to participate in the February 2026 sales exercises.

11 While HDB continues to process HFE letter applications, priority will be given to those who submitted all required documents by 15 December 2025. During the sales application period from 4 to 11 February 2026, the 'Apply for HDB Flat Eligibility (HFE) Letter' e-Service will be temporarily unavailable, to enable HDB to prioritise our resources to support the sales exercises. Flat buyers with a valid HFE letter, or those who have already submitted an HFE letter application, will not be affected as processing will continue during this period. The ‘Apply for HDB Flat Eligibility (HFE) Letter’ e-Service will resume on 12 February 2026. More information on the HFE letter is available on the HDB InfoWEB.

12 Applicants are encouraged to plan their finances carefully and select a suitable flat based on their budget and needs. Flat buyers should also take into consideration the current Loan-to-Value (LTV) limit of 75% for HDB housing loans.

13 Flat applicants may apply for one flat type in one town during the 8-day application period. Applicants who wish to improve their chances of securing a flat should monitor the application rates of the different HDB projects throughout the sales exercise and consider applying to projects with lower application rates, such as those with an application rate of 1 or below. Information on application rates of projects is available on the HDB Flat Portal and is updated several times daily throughout the application window.

Applications Open from 4 to 11 February 2026

14 Flat applications can be made online via HDB Flat Portal from today (4 February 2026) to 11 February 2026. There is no need to visit HDB Hub to submit an application. HDB will shortlist applicants using a computer ballot, and not on a first-come-first-served basis. Therefore, applicants do not need to rush to submit applications.  They can submit their applications any time during the 8-day launch period. More details on the application procedures can be found in Annex B.

15 All the information on the flats offered is available on the HDB Flat Portal or through scanning the QR code below.

First-time visitors  You will be directed to a transition page to verify the go.gov.sg URL. Upon verification, you will be directed to a link which contains gov.sg  Repeat visitors  You will be directed straight to a link which contains gov.sg

16 Applicants without Internet access may seek support from their family members. Those who need further assistance, such as seniors without family support, may call the HDB Sales/Resale Customer Service Line at 6866 3066.


Next BTO Exercise in June 2026 

17 In the next BTO exercise to be held in June 2026, HDB will offer about 6,900 flats in Ang Mo Kio, Bishan, Bukit Merah, Sembawang and Woodlands. Interested flat applicants must have a valid HFE letter to apply for a flat during the exercise. We encourage all flat buyers to apply for an HFE letter early and submit all required documents by 15 May 2026, if they wish to participate in the June 2026 sales exercise. More details on the projects, including their classification, will be shared during the June 2026 sales exercise. 

18 HDB will launch about 19,600 BTO flats in 2026. We will continue to monitor the housing demand closely, and are prepared to offer more than 55,000 flats from 2025 to 2027, if necessary.

¹ Redhill Peaks comprises a total of 2,073 units across two separate land parcels. As the second land parcel required more time for site preparation compared to the first, HDB launched them separately to avoid extending the waiting times for flat buyers. The first 1,021 units were launched in the October 2025 BTO exercise, while the remaining 1,052 units are on offer in the February 2026 BTO exercise. 

² The extension of the Fresh Start Housing Scheme to FT families with children staying in public rental flats was announced by Prime Minister Lawrence Wong in his Budget 2025 speech.

³ The HFE letter will inform flat buyers upfront of their eligibility for a new or resale flat purchase, CPF housing grants, and HDB housing loan, including the respective grant and loan amounts.