By MoneyBees
See what the HDB Lease Buyback Scheme gives you: the CPF top-up each owner needs in 2026, the cash you keep, the LBS bonus for your flat type and an estimate of your CPF LIFE payout.
HDB values it based on your flat's market value and the lease you keep. Use HDB's estimate when you have one.
Cash to you
$25,000
$10,000 proceeds + $15,000 bonus
CPF LIFE estimate
$1,272 a month
household, approximate
Into your RAs
$180,000
keep at least 30 years of lease
| Owner | Top-up needed | RA top-up | Cash | RA after |
|---|---|---|---|---|
| Owner 1, age 65 | $90,200 | $90,200 | $4,800 | $110,200 |
| Owner 2, age 65 | $89,800 | $89,800 | $5,200 | $110,200 |
Proceeds are split equally between owners here; HDB splits them by your share of the flat.
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For applications from 1 Jan 2026, by each owner's age.
| Age | 1 owner | 2 or more owners, each |
|---|---|---|
| 65 to 69 | $220,400 | $110,200 |
| 70 to 79 | $210,400 | $105,200 |
| 80 and above | $200,400 | $100,200 |
Paid in full when the owners' RA top-ups total S$60,000 or more. Below that, S$1 for every S$2, S$4 or S$8 topped up.
| Flat type | Bonus | Under S$60,000 top-up |
|---|---|---|
| 3-room or smaller | $30,000 | S$1 per S$2 |
| 4-room | $15,000 | S$1 per S$4 |
| 5-room or bigger | $7,500 | S$1 per S$8 |
You keep living in the flat, but you cannot sell it on the open market or rent out the whole flat.
HDB's own example: Mr and Mrs Lim, both 65, have a 4-room flat with 65 years of lease left and keep 30 years. HDB buys the other 35 years for S$190,000, S$95,000 each. They must each top up to S$110,200, so Mr Lim, with S$20,000 in his RA, puts in S$90,200 and Mrs Lim, with S$20,400, puts in S$89,800. They keep S$10,000 in cash and get the S$15,000 bonus. HDB puts their CPF LIFE payouts at about S$1,240 a month together.
CPF Board publishes Standard plan payouts from 65 for a male member by RA balance: S$950 a month for S$170,100 and S$1,780 for S$330,100. This page draws a line between those points. Payouts differ for women, other plans and later start ages, so use CPF's own estimator for your figure.
Figures checked 3 Oct 2026.
An HDB scheme for owners aged 65 and above. You sell the tail end of your flat's lease to HDB and keep living there. The proceeds top up your CPF Retirement Account for a CPF LIFE income, and you can keep part in cash.
All owners must be 65 or older and at least one must be a Singapore citizen. Household income must be S$16,000 a month or less, no owner can own private residential property or more than one non-residential private property, the minimum occupation period must be over and there must be at least 20 years of lease to sell.
A single owner tops up to the age-adjusted Full Retirement Sum: S$220,400 at 65 to 69, S$210,400 at 70 to 79 and S$200,400 from 80. With two or more owners, each tops up to the age-adjusted Basic Retirement Sum: S$110,200, S$105,200 or S$100,200.
Up to S$30,000 for a 3-room or smaller flat, S$15,000 for a 4-room and S$7,500 for a 5-room or bigger. You get the full bonus if the owners' RA top-ups total S$60,000 or more. Below that, it is S$1 for every S$2, S$4 or S$8 topped up.
Up to S$100,000 per household after the RA top-ups. Proceeds above that go into the owners' RAs up to the Full Retirement Sum first. The bonus is paid to your bank account on top.
It depends on the youngest owner's age: at least 30 years from 65, 25 years from 70, 20 years from 75 and 15 years from 80. You can choose to keep more, up to 35 years.
Yes, if your RA holds at least S$60,000 after the top-up and you are under 80. HDB's example couple, both 65, with S$110,200 each after the top-up, get about S$1,240 a month together.
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).