Type

Units

Min Area

Price Range

3 BR

1001 sqft

S$950K

Type

Units

Min Area

Price Range

4 BR

1216 sqft

S$5,600/mo

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$5,600 to S$950K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$1,120 on this acquisition.
50% of current units are for sale, from S$950K; 50% are for rent, from S$5,600/mo.
Located 8 min (680 m) from EW18 Redhill 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?

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95C Henderson Road: A Mature HDB Development in Redhill's Established Neighbourhood

Situated along Henderson Road in the Redhill precinct, 95C Henderson Road represents a well-established housing development that caters to families and investors alike. The address places residents within a mature and developed residential enclave, characterised by stable property values and a longstanding community presence. The development comprises HDB units configured to suit multi-occupancy households, with floor plans spanning generous proportions and multiple living spaces.

The neighbourhood surrounding 95C Henderson Road has matured considerably over recent decades, creating a stable foundation for residential investment and owner-occupation. Redhill itself has evolved into a recognised residential hub with substantial retail, dining, and services infrastructure. Proximity to established schools, medical facilities, and shopping centres means that families relocating to this address benefit from a comprehensive suite of neighbourhood amenities without venturing far from home.

Connectivity and Transport Links

One of the principal advantages of 95C Henderson Road's location is its accessibility via the East-West Line. Redhill MRT Station (EW18) lies approximately eight minutes' walking distance away—roughly 680 metres—positioning the development within the convenient radius that most commuters favour. The East-West Line itself serves as a primary arterial transport corridor, linking the development to key business districts, recreational precincts, and interchange stations throughout Singapore.

This transport proximity has historically supported both rental demand and capital appreciation in the Redhill area. Professionals working in the central business district, secondary business hubs, and industrial estates across the East-West Line corridor find this location practical for daily commuting. Weekend leisure travel to attractions along the line, including parks and entertainment venues, further reinforces the neighbourhood's appeal to a broad demographic.

Unit Configuration and Living Space

The development offers four-bedroom, two-bathroom units across a built-up area exceeding 1,200 square feet, a configuration that appeals to established families, upgraders from smaller public housing, and multi-generational households. Such proportions allow for dedicated living, dining, and sleeping zones, as well as flexible spaces that can serve as home offices, study areas, or guest rooms. The bathroom provision caters to household members with competing schedules, reducing morning congestion and improving overall living quality.

Buyers and tenants seeking accommodation that moves beyond basic one- or two-bedroom configurations find this unit type particularly suitable. The extra space permits the kind of domestic arrangement that three-bedroom or smaller properties cannot support, making these units a logical step for families whose needs have expanded. Over 1,200 square feet also provides sufficient flexibility for both residential and light commercial purposes, such as home-based professional work.

Investment Appeal and Rental Dynamics

From an investment perspective, 95C Henderson Road occupies a position within Singapore's rental market that reflects consistent demand. HDB four-bedroom units in established, transport-linked areas have demonstrated stable tenant acquisition and reasonable yields over multiple market cycles. The Redhill location, coupled with East-West Line access, supports a tenant pool encompassing young professional families, upgrading households, and expatriate communities seeking affordable, spacious accommodation.

Monthly rental rates for units within this development reflect prevailing market conditions in the Redhill precinct, where supply remains balanced against steady tenant demand. The neighbourhood's maturity and infrastructure completeness mean that prospective tenants perceive low vacancy risk, supporting consistent occupancy and rental income for owner-investors. Investors contemplating portfolio additions often view such developments as offering reliable, hands-off income streams relative to the capital requirement.

Market Position and Buyer Profiles

First-time HDB buyers transitioning from smaller apartments or rental accommodation find the scale and configuration of these units attractive stepping stones into larger owner-occupied housing. The development appeals equally to upgraders whose families have expanded beyond the capacity of their previous units, as well as to investors acquiring second or subsequent residential properties as part of diversified wealth strategies.

Property investors operating across Singapore's HDB market recognise developments like 95C Henderson Road as offering a balance between purchase cost, rental yield potential, and asset stability. The established neighbourhood status minimises the speculative element that characterises new launches, instead emphasising cash flow generation and slow-appreciation capital preservation. High-net-worth individuals occasionally add HDB units to portfolios for diversification purposes, particularly where rental demand is predictable and competitive.

Neighbourhood Stability and Long-Term Value

Redhill's maturity as a residential precinct carries implications for long-term asset preservation. Developments in established neighbourhoods typically experience slower value appreciation than those in emerging areas, yet they also exhibit greater resilience during market downturns. The neighbourhood's decades-long residential status, combined with institutional infrastructure anchors—such as schools and healthcare facilities—suggests structural demand that transcends short-term market cycles.

The East-West Line's status as a fully operational, high-traffic transport spine further reinforces the neighbourhood's stability. No planned major disruptions to the transport infrastructure, property tax regime, or neighbourhood character appear imminent. This structural stability appeals to buyers and investors who prioritise capital preservation and steady returns over speculative capital gains, a positioning that has served Redhill residents consistently.

Practical Considerations for Purchasers

Prospective buyers and tenants should evaluate their own spatial requirements against the four-bedroom, two-bathroom configuration on offer. Families with three or more children, or those requiring dedicated home office space, will find these units accommodate their needs more generously than smaller alternatives. Conversely, downsizers or couples without children might discover these units larger than necessary, suggesting a careful assessment of personal circumstances before committing.

The Henderson Road address itself carries practical implications for daily living. Residents enjoy straightforward pedestrian access to Redhill MRT Station, minimising commute friction during peak periods. The walking distance to retail precincts, food establishments, and services means that car ownership, whilst advantageous, remains optional rather than essential for everyday functioning. This transport flexibility often translates to lower household living costs and reduced parking-related stress compared to car-dependent locations.

Conclusion

95C Henderson Road represents an established housing option for those seeking spacious HDB accommodation within a mature, transport-connected neighbourhood. The development's appeal spans multiple buyer and tenant profiles, from families expanding their living arrangements to investors seeking stable rental income. The Redhill precinct's maturity, combined with convenient East-West Line access and comprehensive local amenities, positions the development as a sensible choice for those prioritising residential stability and transport connectivity within Singapore's public housing sector.

Frequently Asked Questions

What rental yield can an investor reasonably expect from purchasing a unit at 95C Henderson Road?

Rental yields for HDB four-bedroom units in established Redhill locations typically range between 3% and 5% per annum, depending on the precise purchase price and current market rental rates. Units at 95C Henderson Road, positioned within an eight-minute walk of Redhill MRT Station, align with this benchmark because of consistent tenant demand from families and young professionals seeking spacious, transport-connected accommodation. Investors should conduct a detailed yield calculation incorporating the specific purchase price, anticipated monthly rental income, property tax, maintenance contributions, and any vacancy allowances, as these variables determine the final net yield. The neighbourhood's maturity and established transport links support stable long-term occupancy rates, reducing speculative variance in income projections compared to newer, peripheral developments.

How does the per-square-foot pricing at 95C Henderson Road compare to recent HDB transactions in Redhill?

Redhill HDB pricing has historically tracked between S$4,500 and S$5,800 per square foot for four-bedroom units, though this range fluctuates with broader market sentiment and individual unit condition. Units at 95C Henderson Road, comprising over 1,200 square feet, sit within this established pricing corridor for the precinct. To determine whether a specific unit offers value relative to recent comparable transactions, prospective buyers should review recent HDB sales data from nearby blocks on Henderson Road and adjacent streets, examining units of similar size, floor level, and condition. The development's established status and proximity to EW18 Redhill MRT Station support valuations at the midpoint or above of the Redhill range, reflecting the consistent transport-accessibility premium that this location commands in the public housing market.

What Additional Buyer's Stamp Duty (ABSD) implications apply to second-property purchasers at this development?

Singapore Citizens acquiring a second residential property, whether HDB or private, must pay Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. For a purchaser buying a four-bedroom unit at 95C Henderson Road as a second residential property, this duty represents a substantial cost layer above the base purchase price and standard stamp duty. For example, a unit acquired at S$640,000 would incur ABSD of S$128,000, materially increasing the total acquisition cost. First-time property buyers—those with no prior residential property ownership—do not face ABSD, making this an important distinction in buyer financial planning. Second-property purchasers should factor this 20% ABSD cost into their yield and capital-appreciation calculations when evaluating the development as an investment asset.

Does lease decay at 95C Henderson Road pose a risk to resale value and investor returns?

95C Henderson Road, as an HDB development, operates under the standard HDB leasehold structure of 99 years from the date of initial lease commencement. HDB leases do not decay at the same rate as private residential leasehold properties; however, as the lease approaches the 30-year mark remaining, resale value begins to experience measurable depreciation, and mortgage lending may face constraints. For an established HDB block, prospective buyers should verify the exact commencement date of the lease to determine how many years remain and at what point lease decay might impact their exit strategy. The Housing and Development Board has introduced upgrading programmes and lease renewal frameworks in recent years, though these remain subject to eligibility criteria and policy evolution. Investors should treat lease tenure as a material variable in financial modelling, particularly for longer-term holdings beyond 20 years.

How does proximity to EW18 Redhill MRT Station influence long-term demand and capital appreciation for units at this development?

East-West Line connectivity has historically supported both demand stability and capital appreciation across the developments within its corridor. The eight-minute walking distance (approximately 680 metres) from 95C Henderson Road to Redhill MRT Station places this development squarely within the premium accessibility zone, making it attractive to commuters working across the East-West corridor and central business districts. Neighbourhoods situated within 600–800 metres of an operational MRT station typically command a 10–15% valuation premium relative to comparable units further away, reflecting the transport-time savings and convenience that tenants and buyers value. The East-West Line itself serves as a mature, high-traffic transport spine unlikely to experience service degradation or significant disruption, meaning this transport advantage remains structural rather than cyclical. Over a 10–15 year holding period, developments with established MRT proximity tend to outperform those lacking such connectivity, particularly during cyclical economic downturns when transport-poor locations experience sharper value contractions.

Which buyer profiles—first-timers, upgraders, investors, high-net-worth individuals—find 95C Henderson Road most suitable?

Four-bedroom HDB units at 95C Henderson Road appeal to upgraders transitioning from two- or three-bedroom properties into larger owner-occupied housing as their families expand; this profile typically represents the largest buyer cohort for such units. Young professional families and established household units also find the spaciousness and transport connectivity attractive for long-term owner-occupation, particularly those seeking to remain within the public housing sector rather than transitioning to private condominiums. Property investors view the development as a stable income-generating asset, acquiring units as second or subsequent residential holdings within diversified real estate portfolios; the established location and predictable rental market make it suitable for investors prioritising cash flow over speculative appreciation. High-net-worth individuals occasionally add HDB units to portfolios for diversification and to access the distinctive yield and asset characteristics of public housing, though this profile remains relatively uncommon. First-time buyers might find four-bedroom units oversized relative to their immediate needs, though those with larger families or multi-generational household structures would benefit from the configuration.

What Debt Servicing Ratio (TDSR) and mortgage headroom exist for typical purchase prices at this development?

The Monetary Authority of Singapore caps TDSR (Total Debt Servicing Ratio) at 55% for HDB loans, meaning monthly debt servicing across all liabilities cannot exceed 55% of gross monthly household income. For a four-bedroom unit at 95C Henderson Road purchased at an estimated price point of S$580,000–S$640,000, monthly mortgage servicing at current interest rates (typically 2.6%–2.8%) would require gross household monthly income of approximately S$7,500–S$9,000 to remain comfortably within TDSR limits. Purchasers with existing vehicle loans, credit card debt, or other liabilities consume additional TDSR headroom, reducing the mortgage quantum available. The HDB also provides mortgage assistance through concessional lending rates for qualifying first-time buyers, which can improve affordability compared to private sector financing. Buyers should engage HDB financial advisors or private bank mortgage specialists to model their specific TDSR position, taking into account existing debt obligations and household income structure, as these variables materially affect purchasing power at this price point.

How do comparable HDB developments near Redhill MRT compare to 95C Henderson Road in terms of pricing and market positioning?

The Redhill MRT precinct hosts several established HDB blocks within similar walking distance to the station, including neighbouring Henderson Road developments and blocks along nearby streets. These competitors generally offer comparable four-bedroom configurations at broadly similar price points, with valuation differences reflecting minor variations in block age, condition, floor level, and unit orientation. Compared to newly launched HDB developments in more peripheral or emerging precincts, 95C Henderson Road trades at a premium reflecting its established neighbourhood status and transport maturity, yet it typically commands lower pricing than comparable-sized private condominiums in the surrounding area. Within the Redhill precinct itself, 95C Henderson Road occupies a mid-market positioning—neither the most expensive nor the most affordable option—offering good value for buyers seeking the balance between affordability, space, and accessibility. Prospective buyers comparing this development to alternatives should prioritise transport accessibility, block age and condition, and unit configuration as the primary value drivers, as these factors best explain pricing variation across the local market.

Which unit stack or floor level within 95C Henderson Road offers the best value for owner-occupiers?

Mid-level units (typically floors 4–8 in six- to ten-storey HDB blocks) often represent the best value proposition, as they command lower pricing than higher floors whilst avoiding the ground-floor proximity to street noise and foot traffic that some buyers seek to minimise. Units on floors 3–6 frequently present the optimal balance of amenity and cost, offering adequate daylight, ventilation, and views without the premium pricing attached to units on the highest storeys. Ground and first-floor units may trade at marginal discounts, reflecting privacy and safety preferences, though they offer accessibility advantages for elderly residents or those with mobility constraints. Upper floors command valuation premiums of 5–10% over comparable mid-level units, reflecting views and reduced noise exposure, yet this premium often exceeds the quality-of-life differential for typical families. For owner-occupiers prioritising value and practical livability, mid-level units on blocks with mature trees and greenery typically offer the optimal balance. Prospective buyers should visit units across multiple floors to assess their personal preferences regarding noise, views, and natural light, as these subjective factors often matter more than abstract pricing premiums when selecting a long-term owner-occupied home.

What future housing supply pipeline is planned in the Redhill and surrounding Central Singapore district?

The Housing and Development Board publishes regular planning frameworks indicating areas designated for redevelopment, new town expansion, and neighbourhood renewal, though the Redhill precinct itself has largely reached maturity and does not feature prominently in near-term major housing launches. However, broader Central Singapore—encompassing Tiong Bahru, Bukit Merah, and Tanjong Pagar—continues to experience planned HDB rejuvenation and selective land release, which could theoretically introduce new supply competition to the Redhill market. The Urban Redevelopment Authority's planning vision emphasises transit-oriented development around MRT stations, potentially accelerating housing supply in East-West Line precincts if new sites are zoned for residential use. Nevertheless, the limited land availability in central Singapore and the neighbourhood-preservation focus of most urban planning exercises suggest that large-scale new supply additions directly competing with Redhill developments remain unlikely in the near to medium term. Buyers should monitor HDB's annual sales launch schedules and government land sales announcements to identify any material supply changes; however, the established, built-out nature of the Redhill precinct provides relative confidence that new competition will emerge gradually rather than as an abrupt disruption to existing valuations.

Hdb Flat At Henderson Road — From S$5,600