Tool · 2026 rates

Find out before the bank does.

HDB and the Monetary Authority of Singapore use a 4.0% stress-test rate when assessing your max loan, regardless of what the actual mortgage rate is today. They also cap TDSR at 55% of monthly income, and MSR at 30% for HDB.

Most calculators do not combine all three. This one does. Enter listing price, gross monthly income, and any monthly debt obligations (car loan, credit card minimums, study loan).

This is a directional estimate. Final approval depends on Income Type Adjustment Factor (1.0 fixed, 0.7 variable), CPF balance, and lender credit. We do not replace HDB's official HFE application.

Affordability ledger

Can you afford this exact unit?

Property price

Your monthly income

Partner income (optional)

Other monthly debt

Over the cap at 4.0% stress rate

Max loan

S$483k

Min downpayment

S$297k

Stressed monthly

$3,088

TDSR cap (55%)30.0%

MSR cap (30%, HDB only)30.0%

LTV cap (75%, first loan)61.9%