If you intend to move into a new home next year, you’re probably looking for a resale flat. And if you prefer a flat with a long remaining lease, you’re likely eyeing a freshly MOP-ed resale flat. While HDB resale flat prices continue to climb, slowing HDB price growth was observed. Our PropertyGuru Singapore Property Market Outlook 2024 reveals price growth moderation and declining transaction volumes.
To help you, we’ve compiled a list of HDB BTO projects set to fulfil their Minimum Occupation Period (MOP) in 2024 and 2025. If you want to purchase a house that has already fulfilled its MOP, check out our article on HDB resale flats that fulfilled their MOP in 2022. You can browse all flats that fulfilled their MOP in 2023.
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Watch Our Video on HDB MOP
But first, let’s take a step back and understand HDB MOP rules.
What is HDB MOP?
The MOP is when you must physically live in your flat after collecting your keys. During the HDB MOP, you cannot sell the flat or rent out the entire unit. But you can rent out your spare rooms. For BTO flats and HDB resale flats bought from the open market, the MOP is usually five years; for upcoming Plus and Prime BTO flats, the HDB MOP is 10 years.
Typically, those who sell their freshly MOP-ed HDB flat on the open market can fetch a sum considerably higher than what they bought their homes for.
BTO Projects Expected to MOP in 2024
| BTO project expected to MOP in 2024 | Nearest MRT station |
| St. George’s Towers | Boon Keng (400m) |
| Tampines GreenRidges | Tampines (1.5km) |
| MacPherson Spring | MacPherson (300m) |
| West Edge @ Bukit Batok | Bukit Gombak (2.1km) |
| Tampines GreenWeave | Tampines (2.7km) |
| EastLink II @ Canberra | Canberra (600m) |
| EastLink I @ Canberra | Canberra (450m) |
| Fernvale Woods | Buangkok (2.4km) |
| West Quarry @ Bukit Batok | Bukit Batok (1.2km) |
| Alkaff Vista | Potong Pasir (330m) |
| Alkaff LakeView | Woodleigh (350m) |
| EastCreek @ Canberra | Canberra (1.3km) |
| Tampines GreenView | Pasir Ris (1.6km) |
| Valley Spring @ Yishun | Yishun (1.8km) |
| EastDelta @ Canberra | Canberra (900m) |
| Buangkok Woods | Buangkok (1.1km) |
| Anchorvale Plains | Sengkang (1.3km) |
| Bedok North Woods | Bedok (650m) |
| Jurong East Vista | Jurong East (850m) |
| West Plains @ Bukit Batok | Bukit Gombak (1.1km) |
Ok, back to the main focus of the article. The following is a list of BTO projects announced to have reached TOP in 2019, making them likely to reach MOP in 2024.
Depending on the actual TOP date, there may be slight differences in the exact month and date of each HDB project’s actual MOP. We have also included the nearest MRT station to the various BTO projects. This list is meant to be non-exhaustive. Should there be a project we missed, let us know.
Like always, we expound upon a few particularly noteworthy ones that are set to fulfil their HDB MOP in 2024. Alternatively, you can explore all HDB resale flat listings on PropertyGuru.
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BTO Project Fulfilling Its HDB MOP in 2024: St. George’s Towers
Located by St. George’s Road and Serangoon Road, St. George’s Towers sits in a convenient city fringe location. Getting around is a breeze as residents of St. George’s Towers are just a three-minute walk from Boon Keng MRT station. From Boon Keng MRT station, there are two stops to Little India MRT station (DTL and NEL) and three stops from Dhoby Ghaut MRT station (NEL, NSL, and CCL).
Schools, supermarkets, malls, and food centres surround the BTO site. You can get cheap local fare from the shops around the Boon Keng MRT station or travel further down to the Jalan Basar area for trendy cafes and dining options.
St. George’s Towers has 738 units of 3-room and 4-room flats. It is near the Whampoa River, and you can access the Park Connector Network for evening strolls along the Kallang River.
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BTO Project Fulfilling Its HDB MOP in 2024: West Plains @ Bukit Batok
West Plains @ Bukit Batok comprises 1,655 units of 2-, 3-, 4- and 5-room flats. Those who love plants and nature will appreciate how the HDB project is next to Bukit Batok Hillside Park. Depending on which direction their property faces, some residents enjoy expansive views of the park.
The nearest MRT station is Bukit Gombak, just 1.1km away. The site is close to Dazhong Primary School, Dulwich College (Singapore), Princess Elizabeth Primary School, St. Anthony’s Primary School, and Bukit Batok Secondary School.
Other amenities in the area include West Mall, Bukit Batok Community Club, Bukit Batok Swimming Complex, Sheng Siong Supermarket and Le Quest Shopping Mall. Not to mention, West Plains @ Bukit Batok is close to the hustle and bustle of Jurong East, where IMM, Westgate and Jem are located.
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BTO Project Fulfilling Its HDB MOP in 2024: Alkaff LakeView
If you hope to stay in the new Bidadari neighbourhood, Alkaff Lakeview might be the one for you. Alkaff LakeView consists of 531 units of 3-, and 4-room flats and sits along Upper Serangoon Road. Nearby amenities include The Woodleigh Mall, which is a five-minute walk away.
Residents have excellent connectivity as they are a short five-minute walk to Woodleigh MRT station on the NEL. From Woodleigh MRT station, you are one stop from Serangoon MRT station (CCL and NEL), four stops to Little India MRT station (DTL and NEL), and five stops to Dhoby Ghaut MRT station (NSL, CCL and NEL).
BTO Project Fulfilling Its HDB MOP in 2024: Bedok North Woods
If you’ve been an ‘eastie’ your whole life, chances are you’d like to stay in the ‘best’ side of Singapore. Bedok North Woods is a nine-minute walk from Bedok MRT station. Consisting of 357 units of 3- and 4-room flats, the project is not a huge one and has a unit mix suited for smaller families.
Residents are close to various dining options and shops, courtesy of Bedok Mall and Bedok Point. There are various food centres clustered around the bus interchange, and Bedok 85 Market is a short bus ride away. Heartbeat@Bedok is a six-minute walk away and offers residents access to a public swimming pool, gym, library, polytechnic, and other community centre facilities.
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List of BTO Projects Expected to Fulfil Their HDB MOP in 2025
| BTO project expected to MOP in 2025 | Nearest MRT station |
| Ang Mo Kio Court | Ang Mo Kio (1.1km) |
| Alkaff CourtView | Woodleigh (290m) |
| Bedok North Vale | Bedok (780m) |
| Clementi Crest | Clementi (320m) |
| Northshore Residences I | Punggol (1.2km) |
| Northshore Residences II | Punggol (1.3km) |
| Northshore Straitsview | Punggol (1.6km) |
| Tampines GreenBloom | Tampines West (1.3km) |
| Tampines GreenFlora | Tampines West (1.3km) |
| Teck Whye Vista | Bukit Panjang (320m) |
If you are still browsing or planning to buy only in 2025, here is a list of BTO projects with estimated TOP dates in 2024 likely to fulfil their MOP in 2025. As with the above list, note that depending on the actual TOP date, there may be some differences in the exact month and date of each HDB project’s actual MOP.
If you are interested in any HDB resale flats listed, you can refer to the HDB Flat Portal. The HDB Flat Portal provides information on the purchase or sale of a flat, allowing you to make an informed decision before purchasing. The HDB Flat Portal is updated daily, and you can refine your search based on the HDB town, flat type, or resale registration date.
You can also use the HDB Map Services to see the exact lease start date of the HDB flat.
Financing Your HDB Flat Purchase
Once you decide which freshly MOP-ed HDB resale flat, financing your HDB flat purchase is the next step. You can choose between an HDB loan or a bank loan.
The process of applying for an HDB-granted loan is relatively straightforward. There is only one loan to choose from, and the interest rate is pegged at 0.10% above the current CPF OA interest rate; the current interest rate is 2.6% and has not changed since 1999.
But bank loans are a little more complicated. You have to cross-compare and choose a home loan package from various major banks in Singapore. Several loan types – fixed, floating or hybrid mortgage packages – each with different lock-in periods. You can use our home loan comparison tool to browse the mortgage packages available.
For those who need more help, please get in touch with our friendly PropertyGuru Finance Mortgage Experts. From assessing your financial situation to helping you land the best home loan, they can do it. And the best part? It’s at no cost!
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