For most HDB upgraders, sell-first (or tightly aligned sell-and-buy) is usually safer. You know your proceeds and CPF refund before you commit, and you are less likely to pay ABSD “in limbo”. Buy-first can work for some — especially with a new launch’s progressive payment — but only if you can handle stamp duties, bridging, and stress-test cashflow.
- Sell-first pros: clearer budget; often cleaner ABSD position once you no longer own the flat (subject to timing rules).
- Sell-first cons: interim housing; pressure if the market is thin when you list.
- Buy-first / new-launch pros: lock a preferred unit early; progressive payments while you stay in the HDB (if still eligible).
- Buy-first cons: possible ABSD while you still own HDB; two sets of costs; need a solid exit plan for the flat.
ABSD rates and remission/disposal timelines change and depend on profile. Treat any rate tables as confirm with IRAS / Alex — this page does not invent figures.
Share your rough timeline (MOP end, when you need keys) — WhatsApp +65 8388 0528.