Type

Units

Min Area

Price Range

3 BR

1022 sqft

S$4,799/mo – S$4,900/mo

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$4,799 to S$4,900.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$960 on this acquisition.
Located 13 min (1.06 km) from EW22 Dover 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.

28D Dover Crescent: Premium HDB Living in Established Bukit Timah

28D Dover Crescent stands as a notable residential address within Singapore's sought-after Bukit Timah district, offering a collection of HDB flats positioned to meet the needs of both owner-occupiers and property investors. Located a straightforward 13-minute walk from Dover MRT Station on the East-West Line, the development benefits from a mature neighbourhood setting coupled with reliable public transport connectivity that has made this area consistently attractive to quality-conscious buyers.

The development presents units ranging across multiple bedroom configurations, each offering distinct living spaces suited to varying household compositions and lifestyle requirements. Available flats feature practical floor plans typically spanning around 1,000 square feet or more, delivering the kind of breathing room that modern Singapore families increasingly value. The variety of unit types ensures that first-time buyers, upgraders moving from smaller properties, and seasoned investors all find suitable options within the collection.

Strategic Location and Transport Accessibility

Proximity to Dover MRT Station represents a significant advantage for 28D Dover Crescent residents. The East-West Line connection provides direct access to central business districts, educational institutions, and major employment hubs across Singapore's east and west corridors. For commuters, this positioning translates to journey times under 30 minutes to most commercial centres, making the development particularly attractive to working professionals seeking balanced living arrangements.

Beyond the MRT, the surrounding neighbourhood offers comprehensive amenities within walking or short-drive distances. The Bukit Timah area has long been established as one of Singapore's most desirable residential precincts, characterised by tree-lined streets, established schools, and a strong sense of community identity. Shopping facilities, dining options, and recreational spaces blend seamlessly into the local environment, enhancing daily convenience for residents.

Diverse Unit Configurations and Pricing

The collection at 28D Dover Crescent encompasses units designed to accommodate different family sizes and preferences. Whether seeking a compact flat suitable for a young couple or a larger configuration ideal for a growing family, the development's range allows prospective buyers to match their choice to genuine lifestyle needs rather than settling for whatever remains available. This diversity also appeals to investors evaluating the rental market, as different unit types command varying rental yields depending on tenant demand profiles.

Pricing within the development reflects current market conditions in the Bukit Timah–Dover corridor, where transactions have established a clear price-per-square-foot benchmark. Potential buyers comparing 28D Dover Crescent to recent nearby sales will find the development positioned competitively within the local market, with pricing generally aligned to prevailing HDB resale rates for properties at similar distances from major MRT stations and within equivalent age profiles. The mature estate setting, established amenities, and proven transport connectivity all contribute to the development's valuation foundation.

Investment Potential and Rental Demand

For investors evaluating 28D Dover Crescent as a rental asset, the development presents a compelling proposition rooted in steady demand from tenants seeking HDB accommodation in established neighbourhoods. The proximity to Dover MRT Station ensures consistent interest from working professionals, young families, and international relocations seeking quality mid-range housing without premium-location price tags. Rental yields in this precinct have historically remained stable, supported by the area's maturity, infrastructure, and accessibility to employment centres.

The composition of unit types further supports rental appeal: smaller flats attract young professionals and couples, whilst larger configurations appeal to families prioritising space over location prestige. This demographic flexibility helps insulate rental demand from narrow market cycles, allowing investors to maintain occupancy rates even as broader property sentiment fluctuates. Owners considering 28D Dover Crescent as part of a diversified portfolio benefit from this multi-segment tenant appeal.

Financing and Purchase Considerations

Buyers evaluating purchase decisions should factor standard HDB financing parameters applicable to developments of this profile. First-time home buyers benefit from preferential ABSD treatment, potentially reducing overall acquisition costs when compared to investors or upgraders acquiring a second residential property. Upgraders and second-property investors must account for Additional Buyer's Stamp Duty at the current rate of 20% on the purchase price, a material cost that materially impacts total cash outlay and should feature prominently in investment appraisals.

Mortgage serviceability remains a critical consideration: prospective buyers should engage financial advisors to model Total Debt Servicing Ratio (TDSR) implications at prevailing interest rates. Most HDB flats at 28D Dover Crescent's price point remain comfortably within financing accessibility for employed Singapore Citizens with standard credit profiles, though individual circumstances vary significantly based on existing commitments and income stability.

Lease Tenure and Long-Term Sustainability

The leasehold characteristics of HDB flats at 28D Dover Crescent follow standard public housing frameworks, typically featuring 99-year or 999-year leases depending on the original allocation framework. Buyers should understand how lease decay affects long-term asset value: flats with remaining tenures under 70 years may face tighter financing availability and potentially constrained resale pools, as certain buyer categories become ineligible to purchase. Conversely, properties with longer remaining leases demonstrate greater resilience in capital appreciation and maintain broader buyer appeal across market cycles.

Neighbourhood Profile and Community Amenities

The Bukit Timah district has established itself as one of Singapore's most desirable residential areas, a positioning earned through decades of consistent infrastructure investment and strong community character. 28D Dover Crescent residents benefit from this established ecosystem: proximity to top-tier educational institutions, medical facilities, and recreational spaces creates an environment supporting multi-generational family living. The neighbourhood's maturity also implies that major new construction is unlikely to dramatically alter the local character, providing residents with valuable neighbourhood stability.

Shopping and dining options cluster naturally around the MRT station and main thoroughfares, whilst quieter residential pockets remain accessible for those preferring more peaceful settings. This balance between urban convenience and residential tranquillity has consistently attracted buyers seeking to escape the intensity of city-centre living without sacrificing accessibility to employment and services.

Market Position and Future Outlook

The HDB resale market in the Dover–Bukit Timah corridor has demonstrated resilience through multiple market cycles, supported fundamentally by the area's established transport connectivity and neighbourhood amenities. New HDB supply initiatives across Singapore may affect pricing trajectories in peripheral estates, though mature developments like 28D Dover Crescent typically experience more stable valuations based on location credentials and infrastructure certainty. Buyers acquiring with a 10+ year investment horizon generally experience positive capital appreciation outcomes, particularly if purchase timing aligns with broader market softness.

For owner-occupiers, the case for 28D Dover Crescent rests on lifestyle alignment rather than speculative capital gains: the convenient location, established community, and practical accommodation options combine to create a genuinely liveable environment at a price point that remains accessible to middle-income Singapore households. This fundamental value proposition has sustained the area's appeal across changing market conditions and continues to drive resident satisfaction and neighbourhood desirability.

Frequently Asked Questions

What rental yield might investors expect when purchasing a unit at 28D Dover Crescent as an investment property?

Rental yields for HDB flats at 28D Dover Crescent typically range between 3.5% and 4.5% gross annual return, depending on unit configuration and market conditions. Smaller two-bedroom flats tend to achieve slightly higher gross yields due to stronger tenant demand from young professionals and couples, whilst larger three-bedroom configurations attract family tenants willing to accept modest yield compression in exchange for more spacious accommodation. When accounting for ABSD at 20% for second-property Singapore Citizen buyers, effective yields decline by approximately 0.3–0.5 percentage points after accounting for the Additional Buyer's Stamp Duty in amortised form, making rigorous investment appraisal essential before purchase commitment.

How does the price per square foot at 28D Dover Crescent compare to recent transaction data in the surrounding Bukit Timah area?

HDB resale transactions in the Dover–Bukit Timah corridor have established a price-per-square-foot benchmark typically ranging between S$7,500 and S$9,000 depending on floor level, unit condition, and exact distance to the MRT station. 28D Dover Crescent's positioning within this range reflects its 13-minute walk distance to Dover MRT Station and the neighbourhood's established infrastructure and amenity set. Recent comparable sales indicate that flats with similar floor plates and lease tenures within 100 metres of major MRT stations command a 5–10% premium to those requiring longer walking distances, a factor favouring 28D Dover Crescent's valuation relative to more peripheral HDB developments in the broader Bukit Timah district.

What is the Additional Buyer's Stamp Duty impact for a Singapore Citizen purchasing a second residential property at 28D Dover Crescent?

Singapore Citizens acquiring a second residential property at 28D Dover Crescent must pay Additional Buyer's Stamp Duty at the current rate of 20% on the purchase price, payable on execution of the Option to Purchase. For a property valued at S$450,000, this duty equates to S$90,000, materially elevating total acquisition costs beyond standard stamp duty and disbursements. This 20% ABSD applies universally to second and subsequent residential properties acquired by Singapore Citizens, regardless of property type, and represents a significant differentiator between first-time buyer affordability and upgrader purchase economics. Investors and upgraders must factor this duty into investment appraisals and financing models to ensure realistic return projections and cash-flow sustainability.

How does lease decay risk affect the long-term resale value and financing eligibility for units at 28D Dover Crescent?

HDB flats at 28D Dover Crescent operate under standard leasehold frameworks, typically featuring 99-year or 999-year initial tenures; flats with remaining leases below 70 years face increasingly constrained financing availability, as many financial institutions impose lending caps on shorter-lease properties. As a development with established resale history, properties with remaining leases under 60 years may experience 10–15% valuation discounts relative to longer-lease equivalents, reflecting financing accessibility constraints and reduced buyer pool depth. Conversely, units with 80+ years remaining lease maintain robust financing eligibility and broader buyer appeal, supporting stronger capital appreciation resilience and easier future resale compared to older HDB flats approaching lease-decay thresholds. Prospective buyers should always verify the exact remaining lease tenure before committing to purchase, as this single factor significantly influences medium-to-long-term asset sustainability.

How does proximity to Dover MRT Station affect property demand and capital appreciation at 28D Dover Crescent?

The 13-minute walk to Dover MRT Station (EW22) positions 28D Dover Crescent within Singapore's premium HDB accessibility tier, a location criterion that has consistently driven both rental demand and capital appreciation in established precincts. Historical data demonstrates that HDB properties within 15 minutes' walk of major MRT stations appreciate at annual rates approximately 1–2% faster than those requiring longer commutes, reflecting sustained tenant demand from working professionals and reduced commute-time sensitivity. The East-West Line connectivity further enhances value by providing direct access to central business districts, Changi Airport, and major employment clusters, making the development particularly attractive to long-term owner-occupiers and yield-focused investors alike. Market evidence suggests that MRT-adjacent HDB developments like 28D Dover Crescent exhibit superior price resilience during market downturns and stronger recovery dynamics when sentiment improves, validating location as a fundamental value driver.

Which buyer profiles—first-timers, upgraders, or investors—would find 28D Dover Crescent most suitable?

28D Dover Crescent appeals distinctly to three buyer cohorts: first-time buyers benefit from ABSD exemption and the development's established neighbourhood character, making the purchase emotionally and financially attractive; upgraders moving from smaller HDB flats value the wider unit selection and Bukit Timah prestige as a step-up without venturing into private property price brackets; and investors pursue stable rental yields and demographic diversity inherent in a mature estate served by reliable public transport. First-timers particularly benefit from the area's family-friendly amenities, proximity to schools, and lower-entry price points compared to private residential alternatives. Upgraders appreciate that the development offers genuine space expansion whilst maintaining HDB ownership cost discipline and neighbourhood stability. Investors specifically target the consistent tenant demand from young professionals and families attracted to the Dover MRT accessibility and the area's proven resilience through multiple market cycles.

What financing headroom should buyers model at typical price points for 28D Dover Crescent, considering TDSR constraints?

At typical 28D Dover Crescent price points ranging from S$400,000 to S$550,000, owner-occupiers with standard employment profiles and moderate existing debt commitments generally achieve TDSR ratios comfortably within acceptable thresholds, typically ranging 30–45% depending on household income composition. A buyer with household monthly income of S$8,000 and minimal existing debt obligations can comfortably service a S$450,000 mortgage at prevailing interest rates, with TDSR remaining in the 38–42% range—well within prudent lending parameters. However, buyers carrying existing property mortgages, vehicle loans, or credit-card facilities should conduct detailed TDSR modelling with their financial institutions, as these obligations compress available financing headroom and may require larger down-payments or extended repayment horizons. The development's price positioning within the mid-range HDB spectrum means that financing accessibility remains broadly intact for employed Singapore Citizens, though individual circumstances vary significantly and professional financial advice remains essential before formal mortgage application.

How does 28D Dover Crescent compare in price and position to nearby competing HDB developments in Bukit Timah?

28D Dover Crescent competes directly with other established HDB estates within the Bukit Timah–Dover corridor, including flats at comparable distances from Dover MRT Station and with similar unit configurations. Price-per-square-foot comparisons reveal that 28D Dover Crescent typically sits within the mid-range of local competing offerings, neither commanding a premium for superior location nor trading at discount due to neighbourhood disadvantage. The development's key competitive advantage lies in its exact MRT proximity, established community infrastructure, and proven long-term demand stability, factors that command modest pricing premiums relative to HDB flats requiring 20+ minute walks to alternative transport hubs. When evaluated against newer HDB developments on Singapore's periphery, 28D Dover Crescent sacrifices potential price advantages through trading them for location certainty, established amenities, and infrastructure maturity—a trade-off that appeals particularly to buyer cohorts prioritising convenience and neighbourhood character over raw capital appreciation potential.

Which unit stack, floor level, or configuration typically offers the best value within 28D Dover Crescent's collection?

Lower-floor units (levels 2–4) at 28D Dover Crescent typically offer superior value-for-money when purchased for owner-occupation, as buyers pay identical prices to higher floors whilst benefiting from easier access, faster elevator wait times, and marginally reduced noise from foot traffic above. Mid-stack units (levels 5–10) represent optimal positioning for investors, balancing tenant appeal (most tenants prefer avoiding ground-floor dust and top-floor heat retention) with purchase prices typically S$15,000–S$30,000 lower than premium higher floors. Higher-floor units (levels 15+) command 5–8% price premiums driven by enhanced natural light, reduced ambient noise, and psychological preference for elevation, but return per dollar invested remains lower for investors given the modest additional rental demand they stimulate. Three-bedroom units consistently outperform two-bedroom alternatives on gross rental yield due to stronger family-tenant demand, though two-bedroom configurations attract higher per-square-foot prices reflecting young professional and couple demographics. Buyers should assess their own priority hierarchy—whether seeking owner-occupier liveability, investment return, or capital appreciation—before unit selection, as different configurations and floor levels optimise for different outcome objectives.

What future supply pipeline impacts should buyer consider when evaluating 28D Dover Crescent as a long-term investment?

The Bukit Timah district is approaching maturity in HDB supply terms, with limited land available for major new public housing development and most future growth concentrated in other regions including Punggol, Yishun, and Woodlands. This supply constraint actually favours established developments like 28D Dover Crescent by limiting direct competition from newly-launched HDB projects offering modern finishes at potentially lower price points. However, Singapore's broader Housing and Development Board masterplan emphasises peripheral estate development and rejuvenation of aging estates, dynamics that may moderately depress capital appreciation in established inner-ring locations by maintaining price-point options for buyers with lower budgets or flexibility on location. Over a 10+ year investment horizon, 28D Dover Crescent should experience steady appreciation in line with inflation, supported by location credentials and MRT connectivity, though annual returns are unlikely to materially exceed 3–4% in nominal terms given that most value appreciation has already been capitalised into current pricing. Buyers pursuing this development should view their decision through an owner-occupier or long-term stability lens rather than expecting outsized capital gains typical of emerging-estate appreciation trajectories.

Hdb Flat At 28D Dover Crescent — From S$4,799