HDB has kicked off February 2026 with one of its largest combined sales exercises in recent years, offering 9,012 flats across the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. For first-timers, families, and singles alike, this launch is designed to balance choice, affordability, and waiting time — a combination many buyers are prioritising today.
From mature estates like Bukit Merah and Toa Payoh to suburban favourites such as Tampines and Sembawang, this round gives homebuyers meaningful options depending on budget, household size, and urgency.
What’s on offer this February?
HDB is offering a mix of brand-new BTO flats and ready or near-ready SBF units, giving buyers flexibility in how soon they can move in.
Infographic: February 2026 flat supply at a glance 🏘️
📦 Total flats launched: 9,012 units
🏗️ BTO flats: 4,692 units
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Across 6 projects
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Locations: Bukit Merah, Sembawang, Tampines, Toa Payoh
🏠 SBF flats: 4,320 units
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Located islandwide
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Nearly 1 in 5 units already completed
⏱️ Waiting time
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~80% of BTO flats: less than 4 years
Understanding the BTO project mix
The February BTO exercise includes Standard, Plus, and Prime projects — each designed for different locational attributes and buyer profiles.
Infographic: BTO project classifications 🗂️
📍 Standard projects
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Sembawang Voyage (Sembawang)
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Sembawang Deck (Sembawang)
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Tampines Bliss (Tampines)
📍 Plus projects
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Tampines Nova (Tampines)
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Kim Keat Crest (Toa Payoh)
📍 Prime project
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Redhill Peaks (Bukit Merah)
Plus and Prime flats come with additional subsidies, but also stricter resale conditions, including a 10-year Minimum Occupation Period (MOP) and subsidy recovery upon resale.
Affordability remains a key focus
All flats are priced with significant government subsidies, and eligible first-timer households can further benefit from the Enhanced CPF Housing Grant (EHG) of up to $120,000.
With grants:
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3-room Standard flats can start from $156,000
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4-room Standard flats can start from $224,000
This keeps home ownership accessible even as resale prices in nearby areas remain substantially higher.
Matching flats to household income
HDB has structured this exercise to support a wide income range:
Infographic: Who can buy what 💡
👨👩👧 First-timer families
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~$4,000 income:
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3-room Standard or Plus flats
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4-room Standard flats with little or no cash outlay
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~$7,000 income:
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Up to 5-room Standard flats
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~$9,000 income:
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Any flat type across all projects
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🧑 First-timer singles
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~$3,500 income:
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2-room Flexi (Standard or Plus)
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~$4,500 income:
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2-room Flexi (including Prime projects)
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Sale of Balance Flats: faster access to homes
The SBF exercise provides another pathway for buyers who want shorter waiting times.
Infographic: SBF highlights 🏠
⚡ Some units already completed
💸 Subsidised prices similar to BTO
📍 Wide spread of locations
🏡 Flat types from 2-room Flexi to Executive flats
This option is especially attractive for buyers who value speed and flexibility over project choice.
Key dates & application tips
📅 Application window:
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4 to 11 February 2026 (online via HDB Flat Portal)
📄 HFE letter required
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Must be valid before application
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Apply early to avoid missing future launches
📊 Strategy tip
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Monitor application rates during the exercise
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Consider projects with lower subscription ratios to improve chances
Looking ahead
HDB has signalled a strong pipeline ahead:
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~6,900 flats in June 2026
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~19,600 BTO flats planned for 2026
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Up to 55,000 flats from 2025–2027 if demand requires
This reflects continued commitment to housing supply and affordability.
Summary: What buyers should note ✅
✅ One of the largest combined BTO and SBF exercises
✅ Majority of BTO flats have waiting times under four years
✅ Wide spread of locations and flat types
✅ Strong affordability support through grants
✅ Clear options for families, singles, and urgent buyers
Final thoughts & call to action
Choosing the right flat isn’t just about price — it’s about timing, location, grants, and long-term plans. If you’d like help breaking down which project or flat type best fits your situation, feel free to reach out. I’m happy to walk you through the options and planning considerations.