Flexibility in HDB's Minimum Occupation Period Framework for Families to Upgrade to Larger Flats when Family Size Increases

Mr David Hoe asked the Minister for National Development as part of additional housing support for large families announced during the National Day Rally 2026, whether HDB will review the minimum occupation period (MOP) framework to allow greater flexibility for families whose household size has increased substantially, including waivers or shortened MOPs where they need to move from a smaller flat to a larger HDB flat.

The minimum occupation period (MOP) is in place to prioritise heavily-subsidised Housing and Development Board (HDB) flats for households with genuine housing needs and deter speculative purchases.

HDB assesses appeals for MOP waivers on a case-by-case basis, taking into account the specific circumstances of the flat owners and their families, the duration of the MOP served, and other mitigating factors. Past reasons for granting such exceptions include divorce and financial and medical reasons.

From 2021 to 2025, HDB approved about 800 such appeals on average each year, of which about 300 were due to divorce and 100 were due to financial or medical reasons. Where these appeals are approved, no conditions are imposed for the waiver of the MOP. Flat owners whose appeals are not approved may return their flat to HDB. This ensures fairness to the majority of flat owners, who are required to serve out the MOP before selling their flat.

The Ministry of National Development and HDB will continue to review our housing policies regularly to meet the evolving needs of Singaporean households.