Updated September 2026. HDB policy and project terms can change; verify the applicable launch documents and HFE letter.
Standard, Plus and Prime are project classifications
HDB's framework applies to new flats launched from the October 2024 sales exercise. Plus and Prime projects receive additional subsidies and carry tighter owner-occupation, resale and rental conditions. Existing flats and earlier launches are not retrospectively reclassified.
How subsidy recovery works
For a Plus or Prime flat bought from HDB, the owner returns a project-specific percentage of the resale price—or valuation where HDB requires one and it is higher—when the flat is sold or transferred. HDB publishes the percentage when each project launches. A buyer of a resale Plus or Prime flat does not pay subsidy recovery on a later sale, but the other restrictions continue. Check the current HDB framework.
Long-term planning implications
- Standard flats generally have a five-year MOP; Plus and Prime flats have a ten-year MOP.
- Whole-flat rental is not allowed for Plus and Prime flats.
- Private residential property may be acquired only after the applicable MOP.
- Resale eligibility conditions narrow the future buyer pool.
- The project-specific subsidy recovery rate must be included in net-proceeds planning.
Use HDB's current MOP guidance and obtain financial advice for the household. Do not choose a flat on projected resale proceeds alone; the home should remain suitable through the full occupation period.