• Fewer flats than 2025 but more than 2024 
  HDB has launched its third BTO sales exercise, featuring seven new projects comprising 7,964 flats across six towns: Bedok, Geylang, Sembawang, Tengah, Toa Payoh, and Yishun. Combined with the 15,964 flats (including BTO and SBF flats) released in February and June 2026, 23,928 new flats have been released for sale so far this year. This is fewer than the 29,975 flats launched in 2025 but more than the 21,225 flats in 2024.  

• Impact of higher income ceiling
  The recent income ceiling revisions are likely to drive up BTO demand for the November sales launch. From August 2026, the income ceiling to buy BTO flats has been revised to S$16,000 for couples and families and S$8,000 for singles. With the income ceiling raised to S$16,000, buyers can take a maximum loan of up to S$909,372 and purchase a flat of up to S$1.212 million, which covers almost all BTO flats on the market, including Prime and Plus flats. 
  
  
• Success rates for some groups may be affected by the wider pool of eligible buyers 
  Middle-income families and higher-earning DINKS (dual-income couples with no kids) will benefit most from the income ceiling revision, as they can now qualify to buy subsidised BTO flats. Additionally, recent policy changes have given certain groups of buyers, such as families with more children, more ballot chances. With the pool of eligible buyers widened and application rates expected to rise, the success rate of securing a flat among buyers without priority balloting may be impacted. 
  
  
• White flats and SWT to enhance Tengah project demand
  This exercise will offer Shorter Waiting Time (SWT) flats at some projects, while the project in Tengah will offer White flat layout for its 3-room, 4-room and 5-room units. These features could  enhance the attractiveness of such projects, thus pushing up demand for these flats. 
  
  For instance, some buyers could be cautious about purchasing a new flat in Tengah given the large number of resale flats completed in the area. However, the White flats and SWT flats offered in this project are expected to enhance their attractiveness. Since White flats offer more design flexibility, this may strengthen the appeal among other resale flats in Tengah, thus boosting future demand and selling prices.
  
  
• Attractiveness of white plans 
  With the White Flat layout being offered for the first time, demand for such flats is expected to be robust. The bigger living space gives owners more room to explore different designs and customise the floor plan to their preferences, such as making a larger master bedroom or creating extra space for a study or baby room.  
  
  
• Advantages of buying flats with SWT 
  Some buyers may be attracted by flats with SWT. For certain flats like Standard flats, with a relatively shorter minimum occupation period (MOP), buyers can potentially sell their flats significantly earlier than those who purchase Plus and Prime flats, by around 7 to 8 years. For instance, buyers of Tengah BTO flats may be able to sell their units after around 7 to 8 years, whereas those who purchase flats in prime locations, which typically have a construction period of about 4 years, may only be able to sell their flats after around 14 years. The shorter holding period means that some buyers can upgrade to private housing or reinvest their money to other assets faster.  

Bayshore Oasis (Plus) and Bayshore Sails (Plus) This is the second batch of BTO flats released in the Bayshore precinct. We expect demand to be very strong. The first batch of BTO flats launched in the Bayshore precinct saw strong interest, with 4-room flats recording a first-timer family application rate of 2.5 times, the second-highest among the BTO projects launched in the exercise then. Of the two projects, demand is expected to be even higher for Bayshore Oasis as this project offers better sea views and has a shorter waiting time.