Type

Units

Min Area

Price Range

4 BR

1571 sqft

S$1.2M

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1.2M.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$230K on this acquisition.
Located 9 min (780 m) from DT27 Ubi 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.

326 Ubi Avenue 1: Premium Executive Maisonette Living in a Mature Residential Neighbourhood

326 Ubi Avenue 1 represents a compelling proposition within Singapore's executive maisonette segment, situated in the well-established Ubi precinct. This development exemplifies the enduring appeal of spacious, purpose-built family homes in a neighbourhood characterised by solid infrastructure, educational institutions, and convenient commercial amenities. The location has evolved into a preferred address for households seeking generous internal areas without the complexity of private property ownership, supported by the stability and transparency of the Housing and Development Board's ownership framework.

The development's positioning relative to transport infrastructure underscores its contemporary relevance. Ubi MRT station (DT27 line) lies within a nine-minute walk, affording residents direct access to the Downtown Line's extensive network. This proximity facilitates commute efficiency to Marina Bay's financial precincts, as well as connections to the broader island-wide transit ecosystem. The accessibility factor has historically supported sustained demand and capital appreciation within the executive maisonette category, particularly amongst professionals and upgrading families who prioritise proximity to employment hubs and educational facilities.

Design and Spatial Configuration

Units within this development exemplify the executive maisonette typology, characterised by generous floor areas approaching 1,600 square feet and thoughtfully configured room arrangements. The maisonette format permits split-level design flexibility, allowing for distinct living zones and enhanced privacy across multiple storeys—a distinct advantage over conventional flat layouts of comparable area. Renovated examples display contemporary finishing standards, with emphasis placed on natural illumination through strategic window placement and ventilation that mitigates tropical heat accumulation. High-floor positioning throughout the development yields unobstructed vistas and reduced noise intrusion from ground-level traffic.

The internal spatial hierarchy supports diverse household configurations. Four-bedroom maisonettes accommodate expanding families, multigenerational living arrangements, and home-office requirements that have become increasingly prevalent in the post-pandemic residential market. The presence of three bathrooms within these larger units reflects contemporary expectations regarding bathroom facilities per occupant. Such specifications position 326 Ubi Avenue 1 competitively against private residential alternatives whilst maintaining the cost efficiency inherent to HDB ownership.

Neighbourhood Context and Amenities

The Ubi locality has matured into a self-contained residential ecosystem, offering consolidated access to educational, commercial, and leisure facilities. Maha Bodhi School and Manjusri Secondary School operate within immediate proximity, significantly reducing school commute times and establishing this development as an organic choice for parents prioritising accessible education. The neighbourhood's food court and retail environment provide daily convenience, eliminating the necessity for extended travel to access essential services. This localised amenity concentration enhances lifestyle quality whilst supporting cost-of-living predictability.

The broader Ubi precinct benefits from strategic positioning within the central-east planning area, equidistant from diverse economic sectors including manufacturing, light industrial, and emerging tech hubs. This geographical positioning has historically attracted professional and management-level households, sustaining a demographic profile that typically demonstrates strong owner-occupancy rates and limited turnover volatility.

Investment and Ownership Considerations

For prospective purchasers, the executive maisonette classification within the HDB portfolio presents particular merit within the mid-to-premium owner-occupied segment. Pricing across current available units within this development reflects market equilibrium between spatial generosity, location utility, and the inherent predictability of HDB frameworks. The category has demonstrated consistent resilience across property cycles, supported by constrained supply—executive maisonettes represent a limited proportion of total HDB stock—and sustained demand from upgrading households whose previous ownership typically comprised standard four-room flats or three-room units.

Lease tenure considerations apply standardly to HDB properties; prospective purchasers should undertake due diligence regarding residual lease duration, as this factor materially impacts long-term resale viability and financing accessibility. Buyers utilising mortgage facilities should confirm their financial institutions' loan-to-value requirements relative to lease maturity. The Additional Buyer's Stamp Duty regime applies to Singapore Citizens acquiring a second residential property at 20%, a material cost consideration for portfolio investors or those upgrading from previous ownership. Financing capacity, assessed through Total Debt Service Ratio constraints, typically permits leverage of 80% loan-to-value on HDB purchases, providing substantial capital efficiency for qualified borrowers.

Market Position and Comparative Context

Executive maisonette transactions within the Ubi and surrounding east-central districts have historically transacted at per-square-foot rates that reflect their spatial premium relative to standard four-room stock. The current available inventory within 326 Ubi Avenue 1 reflects pricing alignment with recent comparable transactions, adjusted for individual unit condition, floor level, and specific view characteristics. The transparency of HDB pricing data facilitates informed comparison against alternative developments within the district, including contemporary executive maisonette offerings in adjacent planning areas.

Competition from private residential developments remains a secondary consideration for HDB purchasers, as the demographics, ownership structure, and financial accessibility profiles differ materially. However, relative value assessment against alternative HDB executive maisonettes within commutable distance—particularly those offering equivalent Ubi MRT accessibility or proximity to alternative rapid transit nodes—represents the appropriate competitive framework for prospective buyers.

Suitability Across Buyer Profiles

The development accommodates diverse buyer personas. First-time upgraders transitioning from smaller HDB units find the spatial progression, locality maturity, and ownership predictability particularly compelling. Established owner-occupants seeking multi-generational family configurations or dedicated home-office capacity align logically with the four-bedroom, three-bathroom specification. Investors focused on stability and mid-to-long-term rental yield appreciate the demographic draw of the neighbourhood and the accessibility of professional and young-family tenant cohorts within the east-central zone.

The development's orientation toward established families rather than young singles or couples reflects its spatial generosity and associated pricing. Purchasers with mobility requirements, accessibility needs, or preferences for newer builds should evaluate 326 Ubi Avenue 1 within their broader property search parameters, recognising that the maisonette format and development maturity position it distinctly within the HDB landscape.

Frequently Asked Questions

What rental yield should an investor expect when purchasing a unit at 326 Ubi Avenue 1 as an investment property?

Executive maisonette rental yields in the Ubi precinct typically range from 2.5% to 3.5% per annum, depending on specific unit configuration, renovation standard, and market conditions. Four-bedroom maisonettes attract quality tenant profiles—including expatriate professionals, multi-unit property investors, and established families—who demonstrate consistent lease compliance and lower turnover incidence than smaller residential segments. The Ubi location's proximity to business parks, transport infrastructure, and established schools supports stable tenant demand, though investors should model vacancy assumptions conservatively at 5-8% to account for seasonal market softness and transition periods. Gross yield calculations should account for property tax, maintenance contributions, and sinking fund provisions before capital appreciation forecasting.

How do price-per-square-foot rates at 326 Ubi Avenue 1 compare with recent maisonette transactions in the surrounding east-central zone?

Executive maisonette transactions in the Ubi and neighbouring districts (Kaki Bukit, Macpherson, Tai Seng) have historically transacted between S$700 to S$850 per square foot, adjusted for lease maturity, floor level, and renovation quality. The pricing at 326 Ubi Avenue 1 reflects competitive positioning within this range, with renovated units commanding premiums over unimproved stock. Recent transaction data from comparable maisonette developments suggests that floor level, view orientation, and proximity to MRT stations generate differentiated pricing even within the same development, typically supporting 5-10% incremental value for high-floor, unobstructed-view units. Prospective purchasers should cross-reference specific unit attributes against recent arm's-length sales rather than relying on average development pricing, as heterogeneity within maisonette inventory remains significant.

What are the Additional Buyer's Stamp Duty implications for a second-property purchase at this development?

Singapore Citizens acquiring a second residential property incur Additional Buyer's Stamp Duty at 20% of the purchase price, applied cumulatively with the standard Buyer's Stamp Duty of 4% on the first S$180,000 and 8% on amounts exceeding S$180,000. For a maisonette unit priced at S$1,150,000, total stamp duty liability reaches approximately S$121,200, substantially elevating the effective acquisition cost. This duty structure incentivises long-term holding periods to amortise the upfront duty expense and necessitates explicit return-on-investment modelling for investor purchasers. Property owners holding first-time buyer status, or those disposing of prior residential ownership before acquisition, can avoid ABSD; prospective second-property buyers should undertake detailed legal and tax advice to confirm their personal circumstances and any available exemptions or deferral mechanisms under specific HDB policies.

How does lease decay risk affect long-term resale value and financing accessibility for executive maisonettes?

HDB executive maisonettes at 326 Ubi Avenue 1 carry standard 99-year lease tenure from construction date; prospective purchasers must verify residual lease duration, as lease maturity materially impacts future financing capacity and resale appeal. Financial institutions typically reduce loan-to-value ratios as residual lease approaches 60 years, progressively restricting mortgage availability below 30-year lease thresholds. Resale value trajectories historically demonstrate accelerated depreciation when residual lease falls below 50 years, reflecting both financing constraints and end-user reluctance regarding lease expiry timelines. Units with substantial residual lease (70+ years remaining) maintain financing accessibility and attract broader buyer pools; owners should monitor lease maturity and undertake long-term financial planning accordingly. HDB has periodically introduced lease extension frameworks, though these remain discretionary policy instruments rather than guaranteed mechanisms, and should not substitute for prudent lease-duration evaluation during purchase decision-making.

How does proximity to Ubi MRT station (DT27) influence demand, capital appreciation, and long-term desirability?

Proximity to operational MRT infrastructure historically correlates with sustained demand and superior capital appreciation relative to non-transit-adjacent developments; the nine-minute walk distance to Ubi MRT places 326 Ubi Avenue 1 within the primary accessibility zone that commands market premiums. The Downtown Line (DT27 Ubi) integrates the development within Singapore's central transit network, supporting reliable commute access to employment clusters in Marina Bay, CBD zones, and eastern economic nodes. This accessibility has attracted professional and management-level demographics historically, sustaining owner-occupancy rates and limiting speculative volatility. Long-term transport policy, including potential network extensions or emerging competing MRT nodes, may influence relative positioning; however, established MRT proximity has demonstrated resilience across multiple property cycles. For investors and owner-occupants, MRT accessibility represents a stable, non-replicable locational advantage that supports both rental demand and end-user appeal across economic cycles.

Which buyer profiles—first-timers, upgraders, investors, or high-net-worth individuals—find 326 Ubi Avenue 1 most suitable?

Upgraders transitioning from smaller three-room or four-room HDB flats represent the primary demographic; the spatial progression from 1,000-1,200 sqft to 1,571 sqft, combined with maisonette layout advantages, aligns directly with mid-career family expansion requirements. First-time purchasers with substantial capital and existing family size (three+ children, multigenerational households) find the configuration immediately suitable, though such cohorts remain less common in first-purchase segments. Property investors appreciate the stable tenant demand, established neighbourhood profile, and transparent HDB ownership framework; however, the 20% ABSD regime materially impacts investment returns unless multi-year holding periods justify upfront costs. High-net-worth individuals typically favour private residential options offering bespoke design, exclusive amenities, or landed alternatives; HDB participation within wealthy segments remains limited to personal use or structured investment portfolios. Owner-occupants prioritising space efficiency, location utility, and predictable cost structures represent the principal and most financially resilient buyer base, supporting market stability.

What Total Debt Service Ratio (TDSR) headroom and financing capacity exist at current price points for this development?

At an approximate purchase price of S$1,150,000, assuming 80% loan-to-value financing (S$920,000), monthly mortgage repayment over 25 years approximates S$4,200-S$4,500 depending on prevailing interest rates. For qualifying borrowers, TDSR constraints cap total monthly debt obligations at 60% of gross monthly income, requiring gross household income of approximately S$7,000-S$7,500 to service the mortgage comfortably whilst accommodating existing liabilities and contingency buffers. This income threshold positions the development within reach of professional and management-level households—a demographic alignment consistent with the neighbourhood profile. Buyers should model TDSR implications against personal income documentation, existing credit obligations, and anticipated future liabilities (dependents, education costs, healthcare); some financial institutions require additional buffers above regulatory TDSR minima, particularly for variable-rate mortgages or extended loan tenures. Pre-approval assessment with lending institutions prior to commitment accelerates transaction timelines and clarifies financing feasibility within individual circumstances.

How do nearby competing HDB executive maisonette developments compare in pricing, location, and amenity access?

Alternative executive maisonette developments within the east-central district—including those in Macpherson, Tai Seng, and adjacent planning areas—present comparable spatial configurations and pricing trajectories. Macpherson developments, whilst offering similar maisonette typology, typically command modest per-square-foot discounts due to incrementally reduced MRT proximity; however, Macpherson MRT (DT25) integration supports comparable commute accessibility for certain employment corridors. Tai Seng locations similarly offer maisonette stock but with varying school catchments and amenity clustering. 326 Ubi Avenue 1's Ubi MRT adjacency, combined with Maha Bodhi School and Manjusri Secondary School proximity, differentiates its positioning within the competitive landscape. Prospective purchasers undertaking comparative evaluation should assess total cost of occupancy (mortgage + transport + education proximity costs) rather than relying solely on per-square-foot pricing, as neighbourhood factors materially influence long-term ownership utility and satisfaction metrics across diverse buyer profiles.

Which unit stack, floor level, or orientation offers optimal value relative to pricing within this development?

Mid-range floor levels (approximately 5th-15th floors within multi-storey blocks) typically offer superior value relative to premium high-floor positioning, as they capture unobstructed views and natural ventilation benefits at lower per-unit acquisition costs than penthouse-equivalent levels. Mid-floor units avoid ground-level noise and activity intrusion whilst maintaining reasonable carrying costs and financing accessibility; they appeal to owner-occupants prioritising functionality over exclusivity. Within the maisonette format, units oriented toward quieter aspects (away from primary arterial roads) and with garden or green-space visibility demonstrate stronger rental appeal and end-user satisfaction metrics. Corner units and those with dual-aspect orientations command modest premiums reflecting enhanced natural light and ventilation, typically supporting 3-5% value differentials. Value-conscious purchasers should prioritise renovation quality, kitchen/bathroom finishes, and building management services over premium floor positioning; these attributes demonstrate greater long-term utility and rental market appeal than floor level alone. Direct comparison of specific unit specifications against recent sales data within 326 Ubi Avenue 1 informs optimal allocation of acquisition budget.

What future supply pipeline exists in the Ubi and east-central planning areas that might affect long-term appreciation?

The Ubi and surrounding east-central precincts are broadly characterised as mature residential zones with limited new HDB development pipeline; most future supply within the broader district focuses on Punggol and north-eastern sectors rather than east-central infill. This supply constraint supports sustained demand for established maisonette stock, including 326 Ubi Avenue 1, as replacement supply remains geographically distant and developmentally time-intensive. Government Land Sales exercises periodically introduce private residential supply in proximate locations (Paya Lebar, Macpherson), but such developments target distinct buyer demographics and price points relative to HDB executive maisonettes. Urban regeneration initiatives, commercial revitalisation, or transport infrastructure enhancement in adjacent precincts may influence long-term residential appeal; however, the Ubi locality's maturity and established housing stock position it as a stable, defensible investment relative to developing new towns. Prospective purchasers should monitor broader east-central strategic planning announcements, though current trajectories suggest sustained demand for established maisonette stock absent significant disruptive supply interventions or demographic shifts affecting household formation.

Hdb Flat At 326 Ubi Avenue 1 — From S$1.2M