HDB vs EC vs Private Property: 2026 Comparison
Income ceilings, grants, MOP rules, ABSD — clear 2026 guide to choose the right home for your budget and timeline. Direct answers for upgraders.
Not sure if upgrading makes sense for you? See the real numbers first — no agent, no pressure.
New site, no inflated numbers. Just independent, data-driven new launch research — read it before you commit.
Filter dozens of launches from 2025 & 2026 by district, price, developer, and MRT proximity.
Side-by-side unit mix, PSF, developer track record, and live balance units.
We work directly with developers, so you get first pick of units at launch pricing.
Despite global uncertainties, well-positioned new launches continue to see rapid take-up. Q1 2026: Developer sales exceeded launches with private residential prices rising +0.9% QoQ (URA). Serious buyers are securing units early.
Direct answers for serious buyers
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Before SellingSgProperty, buyers kept making the same expensive mistakes:
Rushing the booking fee on launch day
Caught up in showroom pressure, they commit — then forfeit part of the deposit when the loan falls short or doubts set in.
Buying with no exit plan
No thought given to the Seller's Stamp Duty timeline or holding period — leaving them stuck, or selling at a loss years later.
Trusting one showflat's pitch
No independent check on PSF, balance units or comparable resale, so they overpay without ever knowing it.
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Jack Leow comes from an auditing background, so he looks at property the way he'd look at numbers — carefully, and without the sales pressure. With his team, he goes through projects unit by unit to figure out which one genuinely fits what you need.
That's it. No big promises. Just honest advice and direct access to new launches, with no commission on your side.
Practical guides for HDB upgraders choosing new launch condos vs resale condos 2026, first-time private property buyers, foreign investors navigating ABSD, and anyone building long-term wealth through Singapore real estate (new launch or resale).
From the Find Your Treasure newsletter • Singapore property 2025–2026
Income ceilings, grants, MOP rules, ABSD — clear 2026 guide to choose the right home for your budget and timeline. Direct answers for upgraders.
Turf City transformation, land bid analysis ($1,410 psf ppr), ROI outlook & why being first in the precinct matters for CCR buyers.
Why families love Dunearn House Bukit Timah — 7-min walk to Sixth Avenue MRT, top schools, lush greenery & Turf City living in District 11.
Complete Dunearn House buyer's guide: indicative prices ($1.9M–$3.3M), unit types, eligibility, payment scheme & comparison to D11 condos. Updated 2026.
Complete guide to the Bukit Timah Turf City transformation: timeline, conserved buildings, future MRT, parks, and impact on Dunearn House value.
Dunearn House review 2026: honest pros & cons, expected price ($2,800–$3,100 psf), Turf City location, and who should buy. Read before you book.
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Three quick steps — your instalment, MSR · TDSR affordability, stamp duties, and upfront cash & CPF under current MAS rules.
Complete the three steps to see your monthly instalment, upfront cash & CPF, and stamp duties.
Used for the MSR (HDB & EC only) and the TDSR stress test at a 4% floor rate.
Excludes legal/conveyancing fees, valuation, and buffer funds. For private resale purchases, stamp duties are typically paid in cash first and reimbursed from CPF OA after completion.
| Month | Principal | Interest | Balance |
|---|
Estimates only, based on the standard amortising-loan formula and prevailing MAS rules (MSR 30%, TDSR 55%, 4% stress-test floor, 75% LTV for a first housing loan). Always verify with HDB, your bank, or a licensed adviser. This is not financial advice.
A rare freehold boutique of just 107 units in Tanjong Rhu (D15), three minutes from Katong Park MRT on the Thomson–East Coast Line. Here's the independent, data-backed view.
Arina East Residences is one of the few freehold new launches of this cycle — and at 107 units, among the most exclusive. The trade-offs are real: a $2,800+ PSF entry for an RCR address, a developer consortium (ZACD Group, Welltech Construction, FRX Capital) without a blue-chip track record, and a unit count small enough that resale liquidity deserves thought. Buy it for permanence, scarcity and the TEL doorstep — not for a quick flip.
| Project | Region | Tenure | Avg PSF | Units | TOP | Differentiator |
|---|---|---|---|---|---|---|
| Arina East Residences | RCR | Freehold | $2,811 | 107 | 2027 | Freehold + boutique scale |
| Union Square Residences | RCR | 99 LH | $2,966 | 366 | 2029 | Singapore River + Clarke Quay |
| Aurea | CCR | 99 LH | $2,840 | 188 | 2029 | Low-density CCR |
An own-stay buyer or legacy-minded investor who values freehold permanence, wants TEL connectivity without CCR pricing, prefers a quiet low-density address near the Sports Hub, and intends to hold well past any speculative window.
Chasing a short-hold flip (thin liquidity works against fast exits), need a deep pool of comparable transactions for confidence, or want the reassurance of a top-tier developer brand at this price point.
Yes — it is one of the few freehold new launch condos available in this cycle, a structural advantage over the 99-year leasehold comparables in its price range.
Q4 2027 expected TOP, with vacant possession in 2028 — earlier keys than most 2029–2030 completions among comparable launches.
Only 107 units across 1- to 4-bedroom layouts — boutique and exclusive, with the liquidity trade-off that implies on resale.
Katong Park MRT (TE24) on the Thomson–East Coast Line, roughly a 3-minute walk — with direct access toward Marina Bay, the CBD and Changi.
ZACD LV Development Pte Ltd — a joint venture of ZACD Group, Welltech Construction and FRX Capital.
Data-backed advice on whether this — or any new launch — fits your goals.
Free 30-min consultationThe information is for general guidance only — please seek professional advice before committing.