At a glance
- Standard flats
- 5 years from key collection (BTO) or completion (resale)
- Plus and Prime flats
- 10 years
- Executive condos
- 5 years from TOP; open to foreign buyers after 10
- Locked until MOP
- Selling, renting out the whole flat, buying private property
- Selling
- Intent to Sell, then an option 7 days later
Your timeline
Rules used
- Standard BTO and resale flats: 5 years from key collection or resale completion. Plus and Prime flats (from the October 2024 launch): 10 years. Executive condos: 5 years from the Temporary Occupation Permit (TOP), which is close to key collection.
- Approved periods away from the flat are added to the MOP.
- Until the MOP ends you can't sell the flat on the open market, rent out the whole flat, or buy private residential property.
- To sell, register an Intent to Sell on the HDB Flat Portal. You can grant an option 7 days later, and the Intent to Sell stays valid for 12 months.
- ECs can be sold to citizens and PRs after 5 years, and to anyone, including foreigners and companies, after 10.
- ECs on land tendered from 8 May 2026 have a 10-year MOP and become fully private after 15 years. None of these has launched yet; every EC sold so far keeps the 5-year rule.
An estimate from the date you enter. HDB's record on My HDBPage is the official MOP date. Rules last checked 13 October 2026.
What the tool shows
Pick your flat type and enter the date you collected your keys. The tool shows the date your MOP ends, how long is left, and a timeline of what to do in the year before. If your MOP has already ended, the past steps are greyed out and it tells you what you can do now.
Leave your WhatsApp number at the bottom and we’ll message you six months before your MOP with your flat’s latest price range.
How the MOP is counted
For a BTO flat, the 5 years start on the day you collect your keys. For a resale flat, they start when the purchase completes. Plus and Prime flats, launched from October 2024, carry a 10-year MOP. Any time HDB approved you to live elsewhere is added to the end.
Executive condos have a 5-year MOP from their Temporary Occupation Permit. After that they can be sold to citizens and PRs, and after 10 years to anyone, including foreigners.
What the MOP locks
Until the MOP ends, you can’t:
- sell the flat on the open market;
- rent out the whole flat (renting out rooms is allowed while you live there);
- buy private residential property, in Singapore or overseas.
The year before your MOP
12 months before: find out what your flat is worth. Check recent sales at your block with the price checker and work out what a sale leaves you after the loan and CPF refund with the sell-and-upgrade calculator.
6 months before: line up your next home’s financing. Get an in-principle approval from a bank, or an HFE letter if your next home is an HDB flat, and decide whether to sell first or buy first.
2 months before: get the flat ready. Fix small defects, declutter, take photos and settle on an asking price.
MOP day: register an Intent to Sell on the HDB Flat Portal. You can grant an option 7 days later, and the Intent to Sell stays valid for 12 months. Most resales complete about 8 weeks after HDB accepts the application.
Selling and buying in the right order
If you’re upgrading to a condo, the order matters. Buy first and you’ll pay ABSD on the condo, which married couples can claim back by selling the flat within six months. Sell first and you avoid the ABSD but may need somewhere to stay in between. The stamp duty calculator shows how much is at stake.
Common questions
Where do I find my official MOP date?
Log in to My HDBPage with Singpass. The date there is the official one. This tool works it out from the date you enter, so it can differ by a few days if your key collection and legal completion dates were not the same.
Can I sell my flat before the MOP ends?
Not on the open market. You can get it valued, line up financing for your next home and prepare the flat, so it's ready to list the day the MOP ends.
Can I buy a condo before my MOP ends?
No. HDB owners can buy private residential property only after the MOP. From that day you can buy and keep the flat, paying ABSD on the second home, or sell the flat to avoid it.
Does time spent overseas count towards the MOP?
No. If HDB approved you to live elsewhere, for example on an overseas posting, that time is added to the MOP. Enter it in the tool to see the later date.
Get a free valuation
Tell us your block and flat type. We'll send recent prices for your block and nearby blocks, and what a sale would leave you after your loan and CPF refund.
Sources
Facts on this page were checked against these sources on 13 October 2026.
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