Cash proceeds—
CPF refunded to OA—
Total available for upgrade—
Supports a price of up to*—Funds only; loan limit applies
*Assuming a 75% loan: funds must cover 25% of the price plus BSD, with at least 5% in cash. Add your other savings in the affordability calculator for the full picture.
Get my free upgrade planHow HDB sale proceeds are split
- Outstanding loan is repaid first, to HDB or your bank.
- CPF refund: the CPF principal you used plus accrued interest (2.5% p.a.) goes back to your Ordinary Account.
- Fees: agent commission, conveyancing and any resale levy.
- The balance is paid to you in cash. If the price does not cover the CPF refund, you may have a “negative sale” for CPF, but you do not need to top up the shortfall in cash.
What current HDB prices mean for upgraders near Lorong Chuan
4-room resale flats in Serangoon, Hougang and Bishan commonly transact around $600,000 – $700,000+, and 5-room flats around $750,000 – $900,000+ (2026 market reports). An owner who bought 10–15 years ago can often clear $250,000 – $450,000 in combined cash and CPF. See the local guides for Serangoon, Hougang, Bishan and Ang Mo Kio.