Calculator
Standard, Plus & Prime subsidy clawback calculator
Estimate how HDB's subsidy recovery percentage and 10-year MOP affect your CPF refund and net proceeds when selling a Plus or Prime BTO.
Your estimate · Standard (5-yr MOP)
$0
Subsidy recovery payable to HDB at resale (0% of $750,000)
Where the $750,000 resale price goes
CPF refund is a lump-sum estimate, not the actual refund schedule. Loan redemption, selling costs and CPF refund caps are excluded. MOP starts at key collection.
Whole-flat rental: Allowed after 5-year MOP. Resale buyer cap: No income ceiling on resale buyers. Compare current Standard, Plus and Prime projects on the BTO launches page.
Standard vs Plus vs Prime: official HDB rules
From October 2024, HDB classifies new BTO projects into three tiers (HDB Standard, Plus, and Prime Framework):
| Rule | Standard | Plus | Prime |
|---|---|---|---|
| Minimum Occupation Period (MOP) | 5 years | 10 years | 10 years |
| Subsidy recovery upon resale | None (0%) | Yes (percentage of resale price or valuation, lower than Prime; announced per launch) | Yes (higher percentage of resale price or valuation; announced per launch) |
| Renting out the whole flat | Allowed after 5-year MOP | Not allowed (even after 10-year MOP) | Not allowed (even after 10-year MOP) |
| Renting out spare bedrooms | Allowed | Allowed (for 3-room and larger flats) | Allowed (for 3-room and larger flats) |
| Resale buyer eligibility | Prevailing resale rules (no income ceiling) | Prevailing Plus resale income ceiling; check HDB at the time of purchase | Prevailing Prime resale family/single income ceilings; check HDB at the time of purchase |
How subsidy recovery and CPF refund work when you sell
When the original BTO buyer sells a Plus or Prime flat after the 10-year MOP, HDB recovers the published subsidy percentage on the higher of the resale price or HDB valuation. After deducting the subsidy recovery and any outstanding housing loan, the seller must refund all CPF principal withdrawn for the flat (including any EHG grant) plus 2.5% p.a. compound accrued interest back into their CPF accounts.
Subsequent resale buyers who purchase a Plus or Prime flat on the open market do not pay the subsidy recovery when they later sell, but remain bound by the 10-year MOP, the ban on whole-flat rental, and the resale buyer income ceilings.
Common questions
Is the Plus or Prime subsidy recovery calculated on capital gain or the full resale price?
It is a percentage of the full resale price (or HDB valuation, whichever is higher) — not a percentage of your capital gain. For example, a hypothetical 8% subsidy recovery on a $750,000 resale price would be $60,000.
Do second-hand buyers of a Plus or Prime resale flat also pay the subsidy recovery when they sell?
No. HDB states that subsidy recovery applies only to the first owner who bought the flat directly from HDB. However, the 10-year MOP, the ban on renting out the whole flat, and the resale buyer income ceiling continue to apply to subsequent buyers.
Why is the holding period usually 13 to 15 years for a Plus or Prime BTO?
The 10-year Minimum Occupation Period starts only from the date you collect your keys, not when you ballot. With a 3.5- to 4.5-year construction wait plus a 10-year MOP, CPF accrued interest compounds for roughly 13 to 15 years from the initial Agreement for Lease.