MOP And SSD Date Calculator

The date an HDB flat finishes its Minimum Occupation Period, and when Seller's Stamp Duty stops applying.

HDB Flat: Minimum Occupation Period

Type of flatUnclassified means a flat sold before the October 2024 sales exercise that is not a Prime Location flat.

Key collection or resale completion date

Months not lived in the flat

months

For example, the whole flat rented out with HDB's approval. This time does not count towards the MOP.

Private Home: Seller's Stamp Duty

Date of purchaseThe date the Option to Purchase was exercised or the Sale and Purchase Agreement was signed, not the key collection date.

Expected selling price (optional)

To show the duty in dollars at each stage.

MOP met on–

MOP for this flat: –
Status today: –

From that date, subject to HDB's other conditions, the owners may:

sell the flat on the open market
rent out the whole flat, with HDB's approval
buy private residential property, in Singapore or overseas
apply for an HDB Flat Eligibility (HFE) letter for another flat

Seller's Stamp Duty

No SSD if sold on or after–

Rules that apply: –
If sold today: –
Time until no SSD: –

If the sale is dated	SSD rate	SSD on your price

This purchase date is before 14 January 2011. Older rules applied then and any SSD period has long ended; see IRAS for the detail.

The "sale date" for SSD is the date the buyer exercises the Option to Purchase or the Sale and Purchase Agreement is signed, not the completion date.

Estimates only. Confirm the MOP date with HDB and any stamp duty with IRAS or a conveyancing lawyer before fixing a sale date.

Two Different Clocks

The MOP applies to HDB flats. It is the time the owners must live in the flat before they can sell it, rent out the whole flat or buy private property. For most flats it is 5 years. For Plus and Prime flats it is 10 years. The clock starts when keys are collected for a new flat, or on the completion date for a resale flat, and it pauses for any period the owners are not living there.

Seller's Stamp Duty is a tax on selling a residential property soon after buying it. Homes bought from 11 March 2017 to 3 July 2025 have a 3-year holding period, with rates of 12%, 8% and 4%. Homes bought on or after 4 July 2025 have a 4-year holding period, with rates of 16%, 12%, 8% and 4%. After the holding period no SSD is payable.

Each SSD year ends the day before the anniversary of the purchase. IRAS gives the example of a home bought on 7 July 2025: a sale on or after 7 July 2029 attracts no SSD.

Assumptions And Limits

The Minimum Occupation Period (MOP) is 5 years for Standard and unclassified HDB flats and 10 years for Plus and Prime flats, new or resale. It runs from the key collection date for a new flat, or the resale completion date, and leaves out any time the owners did not live in the flat. HDB's own record in My HDB Page is the one that counts.
SERS replacement flats and executive condominiums follow different rules and are not covered. Check with HDB or the developer.
Seller's Stamp Duty (SSD) depends on when the home was bought: a 3-year holding period for purchases from 11 March 2017 to 3 July 2025, and 4 years with higher rates for purchases on or after 4 July 2025. Purchases from 14 January 2011 to 10 March 2017 are also shown; earlier purchases are not.
The SSD holding period usually runs from the date the Option to Purchase was exercised or the Sale and Purchase Agreement was signed, to the same kind of date on the sale. It does not run from key collection. For a new HDB flat it runs from the Agreement for Lease.
SSD is charged on the selling price or market value, whichever is higher. Exemptions, inheritance, transfers within a family and part-shares bought at different times are not modelled.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.

HDB Flat: Minimum Occupation Period

Private Home: Seller's Stamp Duty

Seller's Stamp Duty

Two Different Clocks

Assumptions And Limits

Sources