HDB MOP Upgrader Radar (2026–2028)
Real-time radar tracking 316 BTO clusters and over 170,000 upgrader households across Singapore reaching their 5-year Minimum Occupation Period (MOP). Discover historical BTO price gaps, estimated equity windfalls, and maximum private condominium upgrading affordability without ABSD.
0 Projects
Across 33 planning towns in Singapore
~170,000+ Units
Hitting 5-year MOP liquidity window
+S$420,000
Realized cash & CPF equity gain
S$1.8M – S$2.4M
Supported by 75% LTV + 55% TDSR
Loading Singapore BTO MOP clusters...
Singapore HDB Upgrader Statutory & Transition Protocols
1. 5-Year MOP Computation Rule
The Minimum Occupation Period is calculated strictly from the physical date of key collection, excluding any periods where the flat was sublet or when owners were not occupying the premises. Owners must verify their exact eligibility date via the official My HDBPage portal before signing any Option to Purchase (OTP).
2. Executive Condominium (EC) Deferred Payment
HDB upgraders purchasing a New Launch Executive Condominium are eligible for the Deferred Payment Scheme (DPS). This enables families to put down 20% and defer the remaining 80% until TOP, allowing them to stay in their current HDB flat without renting or paying bridging loan interest until the EC is ready.
3. Private Condo Upgrading & ABSD Remission
Singapore citizen married couples buying a private property as their second home can apply for full ABSD remission from IRAS, provided their first HDB property is sold within 6 months from the date of purchase (for resale private condos) or the date of TOP (for uncompleted private condos).