By MoneyBees
Work out what you pay for HDB's Home Improvement Programme (HIP). Pick your flat type, the optional improvements and any EASE items. See your share against the Government's, and the monthly instalment if you pay by CPF or cash over up to 10 years.
Toilet upgrade, entrance door, grille gate, refuse hopper.
The ramp or lifter you pick sets the price.
You pay
$899.25
7.5% of optional and EASE
Government pays
$11,090.75
plus all Essential Improvements
Paid once
$899.25
after works finish
The full cost of your optional and EASE items is about $11,990.00. As a citizen household you pay 7.5% of it, $899.25, and the Government pays the rest. It also pays in full for the Essential Improvements: spalling repairs, new discharge stacks, a clothes drying rack and an electrical load upgrade.
You pay nothing until all the works in your precinct are finished. HDB then sends an invoice, and you have 1 month to arrange payment.
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| Flat type | Your share | Fire-rated door | Non-fire-rated door |
|---|---|---|---|
| 1-, 2- or 3-room | 5% | $599.50 | $594.05 |
| 4-room | 7.5% | $899.25 | $891.05 |
| 5-room | 10% | $1,199.00 | $1,188.10 |
| Executive | 12.5% | $1,498.75 | $1,485.10 |
HDB estimates for the full optional package, with 9% GST, for HIP projects polling after 30 Mar 2020. The final amount is set when the works are done.
| Programme | What it covers | What you pay |
|---|---|---|
| HIP | Inside the flat: essential repairs plus optional and EASE items | Citizens: 0% of essentials, 5% to 12.5% of optional and EASE. PRs: full cost |
| NRP | Block and precinct improvements | Nothing; fully funded by the Government |
| LUP | Lift upgrading for the block | Citizens: up to S$3,000 before GST. PRs: full cost |
HIP and LUP go ahead only if at least 75% of the block's eligible citizen households vote for them. Instalment interest: 2.6% for citizens (Oct to Dec 2026), 3.16% market rate for others.
A citizen household in a 4-room flat takes the full optional package with a fire-rated door, S$899.25, and the EASE package with a single-step ramp, S$430. That is 7.5% of a cost of about S$17,723, so you pay S$1,329.25 and the Government pays about S$16,394.
Paid over 5 years at 2.6%, it is about S$23.65 a month by CPF or cash, with about S$90 of interest in total. Paid in full after the works, it is S$1,329.25.
Flat owners can pay from their CPF Ordinary Account, in full or by monthly instalments, through HDB's e-Service with Singpass. Instalments run up to 10 years, or up to 25 years if your household earns S$2,000 a month or less. Owners aged 55 and above may defer payment, with interest, until the flat is sold, after first using CPF savings above their retirement sum.
Figures checked 3 Oct 2026.
For a Singapore Citizen household, the Government pays all of the Essential Improvements under HIP and most of the optional ones. You pay 5% to 12.5% of the optional package by flat type: S$599.50 for a 1- to 3-room flat up to S$1,498.75 for an Executive flat, for the full package with a fire-rated door.
Yes. Singapore Permanent Resident households pay the full upgrading cost, including the Essential Improvements. For optional and EASE items, they pay only for what they opt into.
Compulsory works for health, safety and technical reasons: repairing spalling concrete and structural cracks, replacing waste and soil discharge stacks, replacing pipe sockets with a new clothes drying rack, and upgrading the electrical load.
Only after all upgrading works in your precinct are finished. HDB sends an invoice, and you must arrange payment within 1 month of the invoice date.
Yes. Flat owners can pay from their CPF Ordinary Account, in full or by instalments, through HDB's e-Service with Singpass. Instalments run up to 10 years at 2.60% for citizen households (Oct to Dec 2026), or HDB's 3.16% market rate for others.
At least 75% of the block's eligible Singapore Citizen households must vote in favour. PR households cannot vote.
No. HDB says the NRP is fully funded by the Government and carried out by the Town Councils. It needs at least 75% support from eligible flat owners.
Households earning S$2,000 a month or less can stretch instalments to 25 years. Owners aged 55 and above can defer payment, with interest, until the flat is sold, after using CPF savings above their retirement sum.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).