PHG Grant Amounts
| Living Arrangement | Grant Amount |
|---|---|
| Living with parents / married child (same household) | $30,000 |
| Living near parents / married child (within 4 km) | $20,000 |
Note: Grant amounts are per household (for the purchasing family unit), not per person.
The maximum PHG a household can receive is $30,000 (the ‘living with’ arrangement). The ‘living near’ arrangement provides $20,000. Most households qualify for one tier only.
Always verify current grant amounts with HDB, as these are subject to policy revision.
What Counts as ‘Near’: The 4 km Rule
For the “living near” tier, the two resale flats must be within 4 km of each other, measured from the flat addresses (typically the straight-line distance HDB calculates via their portal).
CEA agents should note:
- HDB determines proximity based on the specific addresses — do not assume based on map estimates
- Buyers can verify proximity using HDB’s eligibility checker on the HDB website before committing to a purchase
- The 4 km boundary can be decisive: a flat just outside the radius does not qualify
Eligibility Criteria
To qualify for the PHG, the buyer household must meet all of the following:
Buyer requirements:
- At least one Singapore Citizen among the buyers
- Buying an HDB resale flat (PHG does not apply to new BTO or EC purchases)
- Buyers must not have previously received the PHG for a previous flat purchase
- Buyers must occupy the purchased flat (owner-occupier requirement)
Qualifying family:
- Parents or married child: must also be Singapore Citizens or Permanent Residents
- The qualifying family member must be the owner or occupier of their own HDB flat (or be moving in with the buyer)
- Single individuals buying under the Single Singapore Citizen (SSC) scheme may also qualify for the PHG if living near/with parents
Income ceiling:
- PHG is not subject to an income ceiling — households at any income level can apply
- However, PHG is only applicable to resale flat purchases; income ceilings apply separately for other HDB grants that may be stacked with the PHG
PHG and Other HDB Grants: Can They Be Stacked?
Yes. The PHG can be stacked with other HDB resale grants:
| Grant | Income Ceiling | Notes |
|---|---|---|
| CPF Housing Grant (CHG) | $14,000 household income (verify) | First-timer families buying resale |
| Enhanced CPF Housing Grant (EHG) | $9,000 household income (verify) | First-timers with lower income |
| Step-Up CPF Housing Grant | $7,000 household income (verify) | Second-timers from 2-room flexi |
| Proximity Housing Grant (PHG) | None | Stackable with above |
Income ceiling figures require verification with HDB — they are periodically reviewed.
A first-timer family buying a resale flat near their parents could potentially receive CHG + PHG (or EHG + PHG), significantly reducing the effective purchase cost.
PHG Usage Rules
PHG is disbursed as a CPF grant — it goes into the buyer’s CPF OA and is used to offset the purchase price:
- PHG cannot be taken as cash
- It reduces the amount the buyer needs to fund from savings or loan
- CPF accrued interest applies on the PHG amount used (as with other CPF housing grants)
“Living With” Arrangement
For the higher $30,000 tier (“living with” parents/married child), the qualifying family member must be listed as an occupier on the new flat. This means:
- The parent or married child must physically live in the resale flat with the buyers
- HDB may conduct checks
- The occupier relationship must be maintained for a minimum period after purchase (verify with HDB for current duration)
Common Scenarios Where PHG Applies
Scenario 1: Young couple buying near parents
First-timer couple buying resale 4-room flat within 4 km of either set of parents. Both sets of parents are HDB owner-occupiers. PHG: $20,000 (living near). If income-eligible, can stack with CHG or EHG.
Scenario 2: Parents downsizing to be near married child
Retired parents selling larger flat and buying a smaller resale flat within 4 km of their adult child’s HDB flat. PHG: $20,000. No income ceiling.
Scenario 3: Elderly parent moving in with adult child
Buyer purchases resale flat and lists elderly parent as occupier. PHG: $30,000. No income ceiling.
CEA Agent Checklist: PHG Advisory
- Confirm buyer is purchasing a resale HDB flat (PHG not available for BTO or EC)
- Confirm at least one buyer is a Singapore Citizen
- Check qualifying family relationship (parents or married child only)
- Verify proximity using HDB’s official checker — do not estimate based on maps
- For “living with” tier: confirm qualifying family member will be listed as occupier
- Check whether PHG has been previously received by the buyer household
- Advise on stacking possibilities with CHG/EHG if buyer is first-timer and within income ceiling
- Remind buyers that PHG is disbursed as CPF (not cash) and attracts CPF accrued interest
Key Resources
- HDB Resale Portal — PHG eligibility checker built into application workflow
- HDB website — current grant amounts, eligibility criteria, and income ceilings
- CPF Board — CPF grant disbursement and accrued interest rules