Your flat has years left in it. Some of them can pay you now.
Three ways to turn a paid-up flat into retirement income, and a way to see your own lease before you choose.
Your lease, drawn as your block
Each window is one year of the 99-year lease. See what the Lease Buyback Scheme lets you keep, sell back and receive.
Block elevation. One window is one year of lease.
You keep 30 years, to age 96. HDB buys back 38 years.
Cash bonus of up to $15,000 for a 4-room flat.
HDB's payment goes into your CPF Retirement Account first, and you can keep up to $100,000 in cash.
This tool does not estimate the payout. HDB does not publish a formula, because it values each flat individually. Get your own figure from HDB's Lease Buyback calculator or by asking HDB, then bring it here and we'll plan around it.
The three options side by side
| Question | Lease Buyback | Silver Housing Bonus | Sell and right-size |
|---|---|---|---|
| Keep your home? | Yes | No, move to 3-room or smaller | No, any smaller home |
| Who it suits | 65+, want to age in place | 55+, happy to go smaller | Anyone wanting flexibility |
| Cash bonus | Up to $30,000, by flat size | Up to $30,000; up to $40,000 for 2-room or smaller | None |
| CPF top-up | Required, toward your retirement sum | Net increase in your CPF RA; can come from your CPF refund | Only the CPF refund |
You can take the Lease Buyback bonus or the Silver Housing Bonus, not both. Figures checked October 2026 against HDB.
Hi, I'm Ali.
I'm a property consultant with PropNex (CEA R068687C). I help owners in their 50s and 60s plan the move that pays for retirement, and I show every number before we talk about listing anything.