Answer
Stamp Duty on a $600K HDB in Singapore
$600K is now the sweet spot for 4-room resale flats in mature estates. Here's the exact stamp duty math — and what you actually need in cash.
Answer: Stamp duty on a $600,000 HDB flat in Singapore is $12,600 (BSD) for a Singapore Citizen buying their first property. No ABSD applies. The BSD breaks down as: $1,800 (1% on first $180K) + $3,600 (2% on next $180K) + $7,200 (3% on remaining $240K). That's 2.10% of the purchase price. The full amount can be paid from CPF OA.
BSD Breakdown — $600,000
| Bracket | Rate | Amount | Tax |
|---|---|---|---|
| First $180,000 | 1% | $180,000 | $1,800 |
| $180,001 – $360,000 | 2% | $180,000 | $3,600 |
| $360,001 – $600,000 | 3% | $240,000 | $7,200 |
| Total BSD | $12,600 | ||
BSD Comparison — $500K vs $600K vs $800K
How stamp duty scales across common HDB price points
| Price | BSD | Effective Rate | Difference from $600K |
|---|---|---|---|
| $500,000 | $9,600 | 1.92% | −$3,000 |
| $600,000 | $12,600 | 2.10% | — |
| $800,000 | $18,600 | 2.33% | +$6,000 |
Every additional $100K above $360K adds $3,000 in BSD (3% bracket).
HDB Loan vs Bank Loan — Cash Requirements
BSD is the same, but the down payment structure is very different
| Component | HDB Loan | Bank Loan |
|---|---|---|
| LTV (max loan) | 80% ($480,000) | 75% ($450,000) |
| Down payment | 20% ($120,000) | 25% ($150,000) |
| Min cash portion | $0 | $30,000 (5%) |
| CPF for down payment | $120,000 | $120,000 |
| BSD | $12,600 | $12,600 |
| Min cash needed | $0 | $30,000 |
HDB loan has no minimum cash component — entire down payment + BSD can come from CPF OA. Bank loan requires at least 5% in cash.
Who Pays & When
| Detail | Answer |
|---|---|
| Who pays? | The buyer |
| Deadline | Within 14 days of exercising the OTP |
| Who submits? | Your conveyancing lawyer (e-stamping via IRAS) |
| Payment method | CPF OA, cash, or combination |
| Late penalty | $10 or 5% of BSD (whichever higher), then $25 per month |
Want a different price?
Use the interactive calculator to get the exact breakdown for any HDB or condo price.
FAQ
How much is stamp duty on a $600,000 HDB flat?
Stamp duty (BSD) on a $600,000 HDB flat is $12,600. For a first-time Singapore Citizen, no ABSD applies. The BSD breaks down as: $1,800 (1% on first $180K) + $3,600 (2% on next $180K) + $7,200 (3% on remaining $240K).
Can I pay the $12,600 stamp duty from CPF?
Yes. The full $12,600 BSD on a $600K HDB can be paid from your CPF OA. If you are taking an HDB loan, stamp duty is calculated on the purchase price. ABSD (if applicable) must be paid in cash.
Which HDB flat types cost around $600K?
4-room resale flats in mature estates (Toa Payoh, Ang Mo Kio, Bedok) and 5-room flats in non-mature estates (Sengkang, Punggol) commonly transact around $600K. Some larger 3-room premium flats in central locations also approach this price.
Do I pay ABSD on a $600K HDB as a first-time buyer?
No. Singapore Citizens buying their first residential property pay 0% ABSD. PRs buying their first property pay 5% ABSD ($30,000 on $600K). Foreigners cannot buy HDB resale flats.
When must I pay stamp duty on my HDB purchase?
Stamp duty must be paid within 14 days of exercising the Option to Purchase (OTP). Your conveyancing lawyer will handle the IRAS submission. Late payment incurs penalties.
Related
- Stamp Duty Calculator — any price, any buyer profile
- Stamp Duty on a $500K HDB — 4-room resale in non-mature estates
- Stamp Duty on an $800K HDB — 5-room resale in mature estates
- HDB Loan vs Bank Loan Guide
Last updated Feb 2026. BSD rates effective 15 Feb 2023, ABSD rates effective 27 Apr 2023 (IRAS). This is a calculation, not financial advice.