HDB mortgage calculator (MSR & TDSR)
Calculate monthly HDB housing loan repayments, 2.6% interest and verify MAS Total Debt Servicing Ratio (55%) and MSR (30%) limits. Free.
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About this tool
Calculate monthly installments for HDB housing loans at 2.6% interest and verify compliance with MAS 55% TDSR and 30% MSR lending rules.
How to use it
- 1 Enter the property price and your planned down payment (minimum 20% for HDB, 25% for bank loan).
- 2 Enter the annual interest rate (e.g. 2.6% for HDB concessionary loan) and tenure.
- 3 Input gross monthly household income and existing monthly debt repayments to test TDSR and MSR compliance.
- 4 Review your monthly installment, borrowing assessment, and total interest cost.
Questions
What is the Mortgage Servicing Ratio (MSR) for HDB flats?
MSR limits monthly mortgage payments on HDB flats to a maximum of 30% of a borrower's gross monthly household income.
What is the difference between TDSR and MSR in Singapore?
TDSR limits total monthly debt repayments (mortgage, car loans, personal loans) to 55% of gross income across all property types. MSR specifically caps mortgage payments on HDB flats and new ECs to 30% of gross income.
What is the interest rate on an HDB concessionary housing loan?
The HDB concessionary housing loan interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account (OA) interest rate, currently sitting at 2.60% p.a.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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