HDB CPF Housing Grants cannot be used for Executive Condominium (EC) purchases. ECs are private property at purchase and do not qualify for the EHG, Family Grant, Proximity Housing Grant, or other HDB subsidies. However, HDB upgrading from a subsidised HDB flat to an EC requires repayment of the original housing grants (resale levy) at the time of HDB sale.
Grant eligibility — what each is for
| Grant | HDB BTO | HDB Resale | EC New Launch | EC Resale |
|---|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) — up to S$80k | Yes | Yes | No | No |
| Family Grant — S$50k | — | Yes | No | No |
| Proximity Housing Grant (PHG) — S$30k | — | Yes | No | No |
| EC Family Grant — S$30k | — | — | Yes (income ≤ S$10k) | — |
Source: HDB grants framework.
EC Family Grant — narrow eligibility
The EC Family Grant of S$30,000 is available only for EC new launches and only when:
- Household income ≤ S$10,000/month
- First-time buyer of any subsidised property
- SC + SC, SC + PR, or SC + foreigner married couple
For incomes between S$10,001–S$16,000, no grant — buyer pays full developer price.
Upgrading from subsidised HDB to EC: resale levy
Buyers upgrading from a subsidised BTO HDB flat to a new EC pay a resale levy at HDB sale. The levy is:
| Original HDB flat type | Resale levy |
|---|---|
| 2-room | S$15,000 |
| 3-room | S$30,000 |
| 4-room | S$40,000 |
| 5-room | S$45,000 |
| Executive flat | S$50,000 |
Worked example: HDB upgrader to EC
| Item | Amount |
|---|---|
| Original 4-room BTO purchased 2015 | S$280,000 |
| Sold 2026 (after MOP+) | S$520,000 |
| Capital gain | S$240,000 |
| Resale levy on HDB sale | −S$40,000 |
| New EC price | S$1,300,000 |
| EC Family Grant (income S$9k → eligible) | S$30,000 (offset against price) |
| Net out-of-pocket | — |
See related: Singapore HDB buying guide.
Frequently asked questions
Can I use CPF OA for an EC purchase?
Yes — CPF OA usage rules apply identically to ECs as to private condos.
Is there a resale levy on EC?
No. The resale levy applies only when selling subsidised HDB; not when selling a privatised EC.
Are PHG and EHG combinable?
Yes for HDB resale. Up to S$80k EHG + S$50k Family Grant + S$30k Proximity = S$160k total max for resale flat purchases.