HDB launched 7,964 Build-to-Order (BTO) flats across seven projects in Bedok, Geylang, Sembawang, Tengah, Toa Payoh and Yishun on 4 November 2026, 99.co Insider reports. Applications close at 11.59pm on 11 November 2026. This is the final BTO exercise of the year.
Bayshore Sails and Bayshore Oasis add 2,492 flats. Sembawang Anchor's 1,310 flats have the shortest estimated wait, at two years and 10 months. Five-room flats start from S$479,000 at Sembawang Anchor, S$484,000 at Chencharu Acres in Yishun and S$494,000 at Plantation Dew in Tengah, all before grants.
Who the higher income ceilings and new flat options affect
- Income ceilings rise to S$16,000 for eligible families (from S$14,000) and S$8,000 for singles (from S$7,000), for HFE letter applications on or after 24 August 2026.
- Toa Payoh Hillside has 256 Community Care Apartments, the first such launch since the minimum eligibility age fell from 65 to 55.
- Plantation Dew's partition-free White Flat costs S$6,000 less for 3-room, S$8,600 for 4-room and S$9,000 for 5-room than the standard layout.
What the source says to do when applying
- Check your HDB Flat Eligibility (HFE) letter, which sets out the flats, grants and HDB loan you may qualify for.
- Submit your application before 11.59pm on 11 November 2026.
- Budget for the Basic Service Package if choosing a Community Care Apartment; it is charged separately from the flat price.