By MoneyBees
Work out your share of HDB's Home Improvement Programme cost by flat type and citizenship, for optional and EASE items, against the Government's share, with CPF or cash instalments.
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.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).