Short answer
BTO is usually cheapest but has the strictest rules and longest wait. A private condo is the most flexible and most expensive. An EC sits between: condo facilities at a lower price, but with income limits and a MOP of 5 years (older sites) or 10 years (sites tendered from 8 May 2026).
† marks a figure we have not confirmed yet. Check the official source before relying on it.
Side-by-side table
| BTO / HDB | Executive Condo | Private condo | |
|---|---|---|---|
| Who can buy | Eligible citizens and PRs † | Households with at least one Singapore Citizen. First-timers get priority; second-timers can apply for a smaller share | Anyone; foreigners pay ABSD |
| Income ceiling | Yes. S$16,000 for families from 24 Aug 2026 | S$16,000, or S$18,000 for sites tendered from 24 Aug 2026 | None |
| Typical price | Lowest | Middle | Highest |
| MOP | 5 years for Standard flats, 10 years for Plus and Prime flats (projects launched from Oct 2024) | 5 or 10 years, by tender date | None |
| Facilities | Basic | Condo-style | Condo-style |
| Resale | Citizens and PRs | Eligible Singaporeans, then anyone after privatisation (10 or 15 years) | Open |
| Financing | HDB loan or bank | Bank loan, MSR applies | Bank loan, TDSR |
How to choose
- If your income fits and you can wait, BTO usually gives the best price.
- If you want condo facilities, are within the ceiling and can commit to the MOP, an EC deserves a close look.
- If you are above the ceiling or need to sell early, a private condo is simpler.
Compare launches in our tracker and check singaporeec.sg for live EC pricing.