HDB Loan Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists hdb loan results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Monthly instalment | Total interest | Total repaid |
|---|---|---|---|
| Loan amount: 400,000, Interest rate: 2.6, Loan tenure: 25 | S$1,814.68 | S$144,403.41 | S$544,403.41 |
| Loan amount: 200,000, Interest rate: 2.6, Loan tenure: 25 | S$907.34 | S$72,201.70 | S$272,201.70 |
| Loan amount: 300,000, Interest rate: 2.6, Loan tenure: 25 | S$1,361.01 | S$108,302.56 | S$408,302.56 |
| Loan amount: 500,000, Interest rate: 2.6, Loan tenure: 25 | S$2,268.35 | S$180,504.26 | S$680,504.26 |
| Loan amount: 600,000, Interest rate: 2.6, Loan tenure: 25 | S$2,722.02 | S$216,605.11 | S$816,605.11 |
| Loan amount: 800,000, Interest rate: 2.6, Loan tenure: 25 | S$3,629.36 | S$288,806.82 | S$1,088,806.82 |
How these were worked out
Monthly instalment = P × r ÷ (1 − (1 + r)^−n), where r is the monthly rate and n the number of months.
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
The Total Debt Servicing Ratio limits monthly debt repayments to 55% of gross monthly income for any property loan, and the Mortgage Servicing Ratio limits the housing instalment to 30% of income for HDB flats and new executive condominiums. Banks apply a medium-term interest rate in these tests rather than the rate you will actually pay.
Beyond the price, buyers should budget for legal fees, valuation, home insurance, renovation and furnishing. Running the figures in advance helps you decide how much cash to hold back and whether a smaller loan or longer tenure makes more sense.
Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.
Tips
- Stamp duty must be paid within 14 days of signing, so have the cash ready before you exercise the option.
- Stamp duty is based on the purchase price or market value, whichever is higher.
- Seller's Stamp Duty can wipe out the gains on a quick resale, so check your holding period before selling.
Related calculations
- Buyer's Stamp Duty (BSD) Calculator: Calculates Buyer's Stamp Duty on a Singapore residential property using the tiered rates from 1% to 6%.
- Additional Buyer's Stamp Duty (ABSD) Calculator: Calculates ABSD by buyer profile and the number of residential properties owned, using the rates in force since 27 April 2023.
- Total Property Stamp Duty Calculator: Adds BSD and ABSD together so you know the full stamp duty bill before you sign an option to purchase.
- Seller's Stamp Duty (SSD) Calculator: Calculates SSD for residential property bought on or after 4 July 2025 and sold within four years.
For your exact numbers, use the HDB Loan Calculator.
Run your own numbers: HDB Loan Calculator