What Does It Mean?
The Enhanced CPF Housing Grant (EHG) is a housing subsidy for eligible first-time HDB buyers, replacing the older Additional and Special Housing Grants. As of 2024 it offers up to $120,000 for families (and up to $60,000 for eligible singles) on a sliding scale based on average gross monthly household income, with the full amount going to buyers earning $1,500/month or less. It applies to both BTO and resale flats, subject to conditions on remaining lease.
Worked Example
Indicative EHG for a first-time family buyer, by average gross monthly household income:
| Household Income | EHG (Families) |
|---|---|
| $1,500 or less | $120,000 (maximum) |
| $3,000 | ~$90,000 |
| $5,000 | ~$50,000 |
| $8,000 | ~$5,000 |
| Above $9,000 | Not eligible |
The EHG can be stacked with the CPF Housing Grant and Proximity Housing Grant on resale flats. The grant is credited to your CPF OA (not cash) and, like CPF used, attracts accrued interest that must be refunded on sale.
Why It Matters
The EHG can add up to $120,000 to a first-time buyer's budget, often the difference between affording a flat and not. But it is paid into CPF, accrues interest, and must be refunded on sale — so it lowers your entry cost more than it boosts your eventual cash proceeds.
Where to Find This on ShiokNest
- HDB BTO Application Checklist
- CPF Usage Optimizer Calculator
Look for the tooltip icon next to this metric on ShiokNest for a quick reminder of its definition.
Official Sources
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Frequently Asked Questions
Is the EHG paid in cash?
Can I get the EHG for a resale flat?
This glossary article is auto-generated from ShiokNest's financial data and updated periodically. Rates and figures are current as of July 2026. Check official sources for the latest.