Type

Units

Min Area

Price Range

3 BR

1194 sqft

S$1M

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$206K on this acquisition.
Located 8 min (640 m) from EW17 Tiong Bahru MRT Station.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

125 Kim Tian Road: Premier HDB Living in Tiong Bahru

125 Kim Tian Road represents a significant opportunity within Singapore's HDB resale market, positioned in one of the nation's most coveted central neighbourhoods. Tiong Bahru has earned its reputation as a lifestyle destination that seamlessly blends heritage character with modern urban convenience, attracting buyers across multiple demographic segments. The development sits within a mature residential enclave where community infrastructure has been established for decades, creating a stable foundation for both owner-occupiers and investment-minded purchasers.

Strategic Location and Transport Connectivity

The proximity to EW17 Tiong Bahru MRT Station—a brisk eight-minute walk covering approximately 640 metres—positions this address as exceptionally convenient for commuters and daily travellers. The East-West Line itself serves as a critical transport artery linking the financial districts of the CBD directly to residential zones across the island, making this location particularly attractive for working professionals who value time efficiency. Beyond the MRT, the neighbourhood benefits from comprehensive bus services, arterial road access, and increasingly robust cycling infrastructure that reflects Singapore's ongoing transport modernisation.

Unit Configuration and Space Standards

The available stock encompasses three-bedroom configurations, delivering approximately 1,194 square feet of internal living space. This floor area reflects the generous room proportions that characterise HDB flats of this vintage and location, offering separate living, dining, and kitchen zones alongside adequate bedroom dimensions. Multi-bedroom units of this specification serve as ideal platforms for families requiring functional living arrangements, while their inherent flexibility also attracts upgraders transitioning from smaller units and investors recognising the rental appeal of family-sized properties across the central belt.

Investment and Rental Dynamics

Tiong Bahru has established itself as a resilient rental market, driven by sustained demand from expatriate professionals, young families, and transient workers seeking central-belt accommodation with authentic neighbourhood character. Properties at 125 Kim Tian Road tap into this established tenant base, with three-bedroom units commanding consistent rental enquiries due to their suitability for small families and shared-housing arrangements. The neighbourhood's combination of MRT accessibility, heritage shophouses, established schools, and independent dining and retail establishments creates a compelling lifestyle proposition that translates into sustained tenant demand and rental rate stability.

Market Position and Pricing Context

Resale HDB flats at this address reflect market pricing aligned with Tiong Bahru's established premium positioning within Singapore's central HDB landscape. Recent transactional evidence across comparable three-bedroom units in the immediate vicinity demonstrates price per square foot benchmarks that reflect both location scarcity and the neighbourhood's continued desirability. Buyers evaluating units at 125 Kim Tian Road should contextualise pricing against comparable properties within the EW17 catchment and adjacent neighbourhoods, recognising that central-belt HDB stock commands sustained price strength due to limited new supply and consistent owner-occupier demand.

Neighbourhood Amenities and Community Character

The Tiong Bahru precinct offers exceptional access to independent dining establishments, heritage retail experiences, and locally-rooted community spaces that distinguish the area from standardised shopping mall environments. Residents benefit from proximity to established primary and secondary schools, medical facilities, and recreational spaces including community centres and neighbourhood green spaces. The maturity of local infrastructure—from supermarkets to childcare services—reflects a neighbourhood that has evolved organically over decades, providing the stability and convenience that appeals to families and long-term residents.

Lease Tenure Considerations

As HDB flats, properties at 125 Kim Tian Road are held on 99-year leasehold tenure from the point of initial allocation. Purchasers should be cognisant that lease decay represents a material consideration for resale value, particularly as the lease remainder diminishes beyond the 70-year threshold. The current lease position of any specific unit should be verified through the HDB lease deed and correlated with standard financing criteria applied by banks and financial institutions, as most lenders impose restrictions on lending against flats with lease remainders below 70 years. Strategic purchase timing and awareness of lease-related financing implications form essential components of due diligence for this property type.

Buyer Suitability and Market Segments

Properties at 125 Kim Tian Road appeal to distinct buyer cohorts, each recognising different value propositions. First-time buyers seeking central-belt entry points view HDB resale stock as an accessible pathway to homeownership within premium locations, with pricing typically more achievable than new private residential alternatives. Upgraders transitioning from smaller HDB units or non-central locations are attracted by the neighbourhood's maturity and lifestyle amenities. Investment-focused purchasers recognise the rental stability and capital preservation characteristics of central-belt HDB stock, particularly where lease remainders support institutional financing. High-net-worth individuals may view such properties as components of diversified property portfolios or as investments leveraging Singapore's consistent residential market fundamentals.

Financial Considerations and Stamp Duty Implications

Purchasers acquiring resale HDB flats at 125 Kim Tian Road should factor Additional Buyer's Stamp Duty into their acquisition cost calculations if this represents a second or subsequent residential property. Singapore Citizens purchasing a second residential property incur ABSD at the current rate of 20%, materially elevating total acquisition costs beyond the base purchase price. First-time HDB buyers remain exempt from ABSD, while permanent residents and foreign nationals face different duty structures. Professional financial and legal advice regarding stamp duty exposure, total cost of acquisition, and financing headroom forms an essential prerequisite to any purchase commitment.

Capital Appreciation and Long-term Value Dynamics

Central-belt HDB properties have historically demonstrated resilience in capital appreciation, underpinned by supply constraints, consistent demand, and the enduring appeal of established neighbourhoods such as Tiong Bahru. However, prospective purchasers should recognise that HDB resale appreciation typically proceeds at more measured trajectories than new private residential developments, reflecting the mature nature of the supply base and the regulatory constraints governing HDB ownership. Lease decay represents an offsetting factor, with properties typically declining in value as lease remainders contract below critical financing thresholds. Long-term value realisation at 125 Kim Tian Road depends upon disciplined purchase timing, astute selection of unit-level characteristics, and strategic exit planning aligned with broader lifecycle and investment objectives.

Frequently Asked Questions

What rental yield can investors expect from a three-bedroom HDB flat at 125 Kim Tian Road?

Tiong Bahru commands one of the strongest rental dynamics across Singapore's central HDB catchment, with three-bedroom units typically achieving gross rental yields in the range of 3% to 4% annually, depending on lease remainder, exact floor level, and unit configuration. Tenant demand remains consistently robust due to the neighbourhood's MRT accessibility, established community character, and appeal to expatriate professionals and young families seeking central-belt accommodation. Investors should undertake detailed rental market analysis specific to comparable units within the EW17 MRT catchment and adjacent developments to establish realistic yield expectations, accounting for property tax, maintenance contributions, and the impact of lease decay on future rental command as lease remainders contract.

How does the price per square foot at 125 Kim Tian Road compare to recent HDB resale transactions in Tiong Bahru?

Recent transactional evidence across Tiong Bahru HDB resale stock indicates price per square foot benchmarks reflecting the neighbourhood's premium central positioning within Singapore's HDB market. Three-bedroom units in the immediate vicinity have transacted at price-per-square-foot metrics that demonstrate strong consistency with long-term neighbourhood valuations, though individual unit characteristics—such as floor level, orientation, and lease remainder—create meaningful transaction-to-transaction variation. Purchasers should commission professional property valuations and comparative market analysis from qualified surveyors to establish personalised pricing context for specific units, as generic price-per-square-foot figures mask the granular factors that drive actual transactional outcomes in established HDB neighbourhoods.

What is the Additional Buyer's Stamp Duty impact for Singapore Citizens purchasing a second residential property at this address?

Singapore Citizens acquiring a second residential property, including resale HDB flats, incur Additional Buyer's Stamp Duty at the current rate of 20% of the purchase price. For a property transacting in the region of S$1 million, this represents a duty liability exceeding S$200,000—a material cost that materially elevates total acquisition expenditure and must be incorporated into purchase planning and financing arrangements. First-time HDB buyers remain exempt from ABSD, while permanent residents and foreign nationals face different duty structures; purchasers should seek professional tax and legal counsel to clarify their precise ABSD exposure based on residential property ownership history and citizenship status.

How does lease decay affect resale value and financing for HDB flats at 125 Kim Tian Road?

Lease decay represents a material consideration for HDB resale value and financing accessibility, with most financial institutions imposing lending restrictions on flats with lease remainders below 70 years. As 125 Kim Tian Road flats are held on 99-year HDB leasehold tenure, the current lease remainder—which depends on the original allocation date—directly influences both appraised property value and the financing options available to future purchasers. Properties with lease remainders in the 60–70 year range face materially reduced appraised values compared to those with 80+ year remainders, as banks tighten lending criteria and prospective buyers recognise the accelerated capital depreciation as the lease continues to decay. Purchasers should verify the precise lease remainder through the HDB lease deed and factor the anticipated lease decay trajectory into long-term value and exit planning.

How does proximity to EW17 Tiong Bahru MRT Station influence demand and capital appreciation at this address?

Direct MRT accessibility represents one of the most potent demand and valuation drivers in Singapore's residential property market, with eight-minute walk distances to major transport nodes consistently commanding premium pricing and sustained capital appreciation relative to non-MRT-proximate alternatives. EW17 Tiong Bahru MRT Station's position on the East-West Line—a critical transport artery linking the CBD, commercial districts, and suburban residential zones—creates sustained commuting demand that underpins both owner-occupier appeal and rental market strength. Properties within the EW17 catchment have historically demonstrated superior capital appreciation trajectories compared to properties beyond walking distance to MRT, as the transport accessibility advantage compounds over multi-decade holding periods and appeals to successive generations of owner-occupiers and tenants.

Is 125 Kim Tian Road suitable for first-time HDB buyers, upgraders, and investors equally?

Yes, but each buyer segment recognises distinct value propositions and faces different considerations. First-time buyers appreciate the accessible entry price-point for central-belt HDB ownership, the exemption from ABSD, and the established neighbourhood infrastructure that supports stable family living; however, they should verify their financing capacity and understand lease tenure implications for future resale. Upgraders transitioning from smaller HDB units or non-central locations are drawn to the three-bedroom configuration, neighbourhood maturity, and proximity to schools and community facilities, with the primary consideration being ABSD exposure if acquiring a second property. Investors prioritise the consistent rental demand, MRT accessibility, and capital preservation characteristics of central-belt stock, but must undertake rigorous lease-decay analysis to ensure that anticipated rental income and capital appreciation justify the acquisition investment over their intended holding period.

What TDSR implications and financing headroom apply to typical three-bedroom purchases at 125 Kim Tian Road?

The Total Debt Servicing Ratio framework limits borrower debt obligations to 60% of gross monthly income, creating meaningful headroom constraints for purchasers financing three-bedroom HDB acquisitions in the region of S$1 million. At this price-point and typical LTV ratios of 75–80%, borrowers require gross monthly household income in the region of S$8,000–S$10,000 to satisfy TDSR criteria, accounting for existing debt obligations such as car loans, credit cards, and student loans. First-time buyers benefit from more favourable financing terms and lower down-payment requirements compared to second-property acquisitions, though the ABSD exposure for second-time buyers materially increases their total acquisition capital requirement. Purchasers should engage qualified mortgage brokers or bank financing officers to model precise TDSR outcomes based on their specific debt profile and income documentation.

How do comparable HDB developments near Tiong Bahru compare to 125 Kim Tian Road in terms of location, amenities, and pricing?

The broader Tiong Bahru precinct and adjacent neighbourhoods such as Outram, Bukit Merah, and Pearl Bank contain HDB stock spanning multiple development vintages and configurations, each offering distinct location and amenity characteristics. Comparable three-bedroom units within the EW17 MRT catchment—such as those in nearby blocks along Chin Swee Road, Outram Road, or Kim Tian Road itself—provide direct pricing and amenity benchmarks for evaluating 125 Kim Tian Road's competitive positioning. Properties deeper within Outram or higher up Bukit Merah may offer slightly lower pricing per square foot due to extended MRT walking distances, though they retain access to the same neighbourhood amenities and employment connectivity; conversely, premium-positioned blocks immediately adjacent to EW17 may command incrementally higher valuation multiples. Purchasers should commission comparative property analysis covering multiple local alternatives to establish contextualised pricing and to verify that 125 Kim Tian Road units offer optimal value-for-money relative to their specific buyer objectives.

Which unit stack or floor level offers the best long-term value and livability at 125 Kim Tian Road?

Lower-level and mid-level units—typically floors 3 through 8—often command optimal value-for-money by balancing accessibility, natural light, and psychological preference against pricing premiums that disproportionately attach to the highest floors. High-floor units command aesthetic premiums and reduced noise exposure, but carry pricing premiums of 5–10% that frequently exceed the incremental lifestyle benefit, particularly for family-focused buyers prioritising functional space and affordability over prestige positioning. Ground-level and second-floor units may face reduced pricing due to privacy and noise concerns, though they offer convenience for families with young children and reduced lift-dependency. The optimal floor level depends fundamentally upon individual buyer priorities; however, mid-stack positioning typically delivers superior long-term capital retention by avoiding the extremes of both over-premium high-floor pricing and the potential perception disadvantages that can attach to very low-level units.

What is the future supply pipeline for HDB developments in the Tiong Bahru and central-belt district?

The central-belt HDB catchment—encompassing Tiong Bahru, Outram, Bukit Merah, and neighbouring precincts—is characterised by mature, fully-developed residential infrastructure with limited new HDB supply anticipated in the medium-term planning horizon. HDB's Strategic Housing Development Plan directs the vast majority of new construction towards suburban and peripheral new towns, with the central-belt reserved primarily for selective en-bloc redevelopment and intensification within existing established communities. This supply scarcity reinforces the enduring appeal of central-belt HDB resale stock, as the absence of material new supply competition preserves the demand-driven capital appreciation trajectory that has historically characterised Tiong Bahru and comparable locations. Prospective purchasers can view this supply constraint as a structural valuation support factor, though they should recognise that aggressive HDB resale price appreciation in the central-belt remains unlikely compared to the near-term growth dynamics within emerging new towns.

[For Sale] Hdb Flat At 125 Kim Tian Road — From S$1M