RES exam question on HDB Policies: HDB CPF Housing Grants
Consider the following statements about HDB CPF Housing Grants: (i) The Enhanced CPF Housing Grant (EHG) is available to first-timer families buying both BTO and resale HDB flats, subject to a household income ceiling of $9,000/month (ii) All CPF Housing Grants, including the Proximity Housing Grant (PHG), are credited to the buyer's CPF Ordinary Account and cannot be received as cash (iii) The Step-Up CPF Housing Grant ($15,000) is for eligible second-timer families, not first-timers, and is limited to 2-room and 3-room flats (iv) The PHG has no income ceiling — proximity to family members is the only qualifying criterion for grant amount Which statements are CORRECT?
- A(i) and (iii) only
- B(i), (ii) and (iii) only
- C(i), (ii), (iii) and (iv)
- D(ii) and (iv) only
Show answer & explanation
Answer
C. (i), (ii), (iii) and (iv)
Explanation
All four statements are correct (HDB grant pages, as at Sep 2026). (i) The EHG covers first-timer families buying a BTO or a resale flat, with a household income ceiling of $9,000 a month ($4,500 for first-timer singles). (ii) CPF Housing Grants, the PHG included, go into the buyer's CPF Ordinary Account and are used for the purchase; they are never paid out as cash. (iii) HDB gives the $15,000 Step-Up CPF Housing Grant to eligible second-timer families, not first-timers, and only for 2-room and 3-room flats (from HDB, a 2-room Flexi or 3-room Standard flat). (iv) The PHG has no income ceiling. The amount depends on whether you live with, or within 4 km of, your parents or child.
Study the concept behind this question: HDB Standard, Plus & Prime Flats (the New Classification Framework)
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