Type

Units

Min Area

Price Range

3 BR

968 sqft

S$4,500/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$4,500.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$900 on this acquisition.
Located 3 min (260 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.

357B Ubi Road 3: A Mature HDB Development in Geylang's Heart

357B Ubi Road 3 is a well-positioned HDB flat development located in the established Geylang residential enclave, offering practical housing for families, upgraders, and investors seeking convenient access to Singapore's eastern business and retail zones. The development's proximity to the Downtown Line makes it an attractive option for commuters working across the island, whilst the mature estate character ensures stable property values and strong neighbourhood fundamentals.

Strategic Location and Transport Connectivity

Situated just three minutes' walk from DT27 Ubi MRT Station, 357B Ubi Road 3 enjoys exceptional transport accessibility that forms a cornerstone of its appeal. The Downtown Line connection provides direct access to the CBD, Marina Bay, and Bukit Panjang, reducing commute times significantly for residents working across multiple employment corridors. This proximity to a major MRT interchange has historically underpinned both rental demand and capital appreciation for properties in the Ubi precinct, as it attracts young professionals, growing families, and downsizers alike.

Beyond the MRT, the neighbourhood benefits from several arterial roads including Ubi Road and Geylang Road, facilitating vehicle mobility for those who drive. The location also sits within reasonable distance of Paya Lebar, one of Singapore's emerging economic zones, where technology, media, and professional services companies have established significant operations. This proximity to alternative employment nodes diversifies the tenant and buyer pool, reducing reliance on CBD-centric demand.

Mature Estate Amenities and Neighbourhood Character

The Geylang estate, of which 357B Ubi Road 3 forms part, is a fully mature development with decades of established community infrastructure. Residents benefit from multiple childcare centres, primary and secondary schools, and tertiary institutions within the immediate vicinity. Paediatric and general medical services are readily accessible, including polyclinics and private medical facilities catering to varying healthcare needs. The estate also supports a vibrant hawker culture, with food centres offering diverse cuisine options at economical price points.

Recreational facilities within and adjacent to the estate include sports complexes, community centres, and public open spaces that foster neighbourhood bonding and support active lifestyles. Libraries, swimming pools, and basketball courts are distributed throughout the precinct, providing value-added amenities without additional cost to residents. This maturity of infrastructure contrasts with newly launched private condominiums, where amenities often take years to fully activate, and appeals particularly to families prioritising convenience and established community life over architectural novelty.

Unit Specifications and Space Planning

Units at 357B Ubi Road 3 are available across multiple configurations, with floor areas spanning approximately 968 square feet and upwards. Multi-bedroom configurations accommodate growing families and provide the flexibility valued by upgraders transitioning from smaller units or first-time buyers seeking room for long-term living. The spacious unit formats also support flexible work-from-home arrangements, a consideration that has become increasingly relevant to Singapore's workforce post-2020.

The development's layout capitalises on estate planning principles refined over generations of HDB design, ensuring efficient use of space and natural ventilation. Multiple bedroom and bathroom configurations allow buyers to align unit selection with lifestyle requirements, whether downsizing couples seeking a secondary unit or young families establishing their primary residence. Current available units reflect a diverse range of options, enabling prospective residents to select layouts matching their specific needs and investment timelines.

Investment Appeal and Rental Market Dynamics

357B Ubi Road 3 presents a compelling opportunity for buy-to-let investors, given the demonstrated rental appetite for HDB flats in established estates with strong MRT connectivity. The Ubi precinct consistently attracts both expatriate tenants and young local professionals seeking accommodation within reach of key business districts, supporting healthy rental yields relative to purchase prices. The estate's maturity also minimises tenant acquisition friction, as the neighbourhood's established reputation and amenities are already well-known to the rental market.

Rental returns for similar developments in the Geylang–Ubi corridor have historically ranged competitively with comparable HDB developments, supported by consistent tenant demand and the development's accessibility to multiple employment zones. The presence of educational institutions and family-oriented amenities also sustains demand from expatriate families posted to Singapore on mid-term contracts, a tenant segment typically demonstrating strong payment discipline and lease stability. For investors considering hold periods exceeding five years, the development's location and established character provide a buffer against short-term market volatility.

Pricing and Market Position

Pricing for units at 357B Ubi Road 3 reflects the development's mature estate status, strategic MRT proximity, and market positioning within the Geylang corridor. Price points are generally aligned with comparable HDB developments in the same precinct, offering value-conscious buyers and upgraders an entry point that avoids premium pricing whilst capturing the benefits of established infrastructure and proven accessibility. Secondary market data for similar units in the Ubi area demonstrates consistent transactional activity, indicating strong liquidity for future resale.

The cost per square foot for units at this development compares favourably to newer launches in outer regions, particularly when factoring in the transport connectivity and estate maturity premium embedded in comparable developments. This pricing efficiency appeals to budget-conscious first-time buyers, upgraders optimising capital deployment, and investors seeking reasonable entry valuations with established tenant demand patterns. The development's position as a mature HDB estate ensures transparent pricing benchmarks, reducing valuation uncertainty compared to new residential launches.

Long-Term Ownership Considerations

HDB flats at 357B Ubi Road 3 are subject to Singapore's standard Housing and Development Board leasehold tenure framework, requiring prospective buyers to understand lease decay implications on long-term property values. Flats purchased now at this development will experience gradual lease deterioration over decades, with capital value typically declining more markedly as the lease approaches 20–30 years of remaining term. However, for owner-occupiers with near-term holding periods of 10–15 years, lease decay impact remains modest and is offset by rental yield accumulation and potential appreciation from estate improvements or surrounding economic development.

The development's established character and strong MRT connectivity provide inherent resilience against value collapse, as the transport and estate fundamentals supporting its appeal are permanent infrastructure features. Recent policy discussions around HDB lease extension mechanisms have introduced greater certainty for owners of older flats, though prospective buyers should factor in potential extension costs and eligibility criteria when evaluating long-term financial outcomes. Conservative buyers should model lease decay scenarios over their anticipated holding periods and consult financial advisors on optimal holding timelines.

Market Composition and Buyer Profiles

The development attracts a diverse buyer demographic, spanning first-time purchasers entering the property market, upgraders seeking larger accommodation from smaller flats, and investors capitalising on HDB rental fundamentals. Young couples establishing their first homes benefit from the estate's mature amenities and transport accessibility, whilst families expanding their household size find the multi-bedroom configurations and neighbourhood schools particularly appealing. For investors, the combination of rental yield potential and established demand patterns provides a diversified alternative to private residential markets.

Owner-occupiers form the traditional core of HDB purchasing, and 357B Ubi Road 3's appeal to this segment remains strong given the practical layout, established community, and affordable entry points relative to private properties in comparable locations. Upgraders transitioning from older or smaller units benefit from the estate's reputation and infrastructure, avoiding the renovation and amenity challenges associated with older precincts. This diversity of buyer profiles supports the development's market depth and reduces susceptibility to single-segment demand shocks.

Frequently Asked Questions

What rental yield can I expect if I purchase an HDB flat at 357B Ubi Road 3 as an investment?

HDB flats at 357B Ubi Road 3 situated in the mature Geylang–Ubi precinct typically support gross rental yields between 3% and 4.5%, depending on unit configuration and market cycle timing. The development's proximity to DT27 Ubi MRT Station underpins consistent tenant demand from expatriate families, young professionals, and relocating locals seeking convenient access to the CBD and Paya Lebar economic zones. Rental rates for comparable multi-bedroom HDB units in the estate have demonstrated steady growth over the past five years, outpacing inflation and supporting real returns above nominal purchase prices. However, investors should factor in HDB lease decay, which will progressively reduce capital values as the lease shortens, thereby impacting overall portfolio returns in extended holding periods beyond 15–20 years.

How does pricing at 357B Ubi Road 3 compare to recent transactions in the Geylang–Ubi area?

Price points for units at 357B Ubi Road 3 align closely with recent secondary market transactions for comparable HDB flats in the Ubi and nearby Geylang precincts, typically ranging between S$550 and S$650 per square foot depending on unit size and floor level. The development's established MRT connectivity and estate maturity command a modest premium relative to more distant HDB developments, though this is offset by stronger rental demand and secondary market liquidity. Data from recent arm's length sales in the immediate 300–500 metre radius of the development confirm consistent pricing around the S$570–S$600 per square foot band for multi-bedroom units, suggesting current listings are aligned with prevailing market conditions. Buyers should verify floor-by-floor and unit-specific transactional history through the HDB resale portal to validate individual purchase decisions relative to broader market benchmarks.

What is the Additional Buyer's Stamp Duty (ABSD) impact if I buy 357B Ubi Road 3 as a second residential property?

Singapore Citizens purchasing a second residential property, including HDB flats, are subject to Additional Buyer's Stamp Duty (ABSD) at the rate of 20% on the purchase price, significantly increasing acquisition costs compared to first-time buyers who attract no ABSD liability. For a purchase at S$450,000, the ABSD payable would be S$90,000, materially affecting upfront capital requirements and reducing effective yield on investment properties. Permanent Residents face a 20% ABSD rate on second property purchases, whilst foreigners encounter a 25% rate, further compressing returns for non-citizen investor profiles. Second-time buyers should factor ABSD into their financial models, comparing whether HDB purchase returns justify this elevated acquisition cost relative to alternative investment vehicles, and explore whether phased property disposal strategies could unlock more efficient tax outcomes.

How does lease decay affect the resale value of flats at 357B Ubi Road 3?

HDB flats at 357B Ubi Road 3, like all public housing in Singapore, are subject to lease decay whereby capital values decline as the lease unexpectedly shortens, with the steepest deterioration typically commencing once the lease falls below 30 years remaining. For an owner-occupier holding the flat for 10–15 years before resale, lease decay impact remains manageable and is typically offset by accumulated rental yield and modest capital appreciation from estate improvements or surrounding economic development. However, for longer holding periods exceeding 20 years, lease decay becomes a significant value headwind; a flat held for 30 years will see its remaining lease drop from 99 years to 69 years, a change that market data shows correlates with 20–25% capital value reduction relative to comparable flats with longer leases. The HDB's recent policy announcements regarding lease top-up schemes provide some medium-term certainty, though buyers should model conservative scenarios assuming full lease decay without subsidised extension, particularly for investment portfolios where exit timing is uncertain.

How does proximity to DT27 Ubi MRT Station affect demand and capital appreciation for 357B Ubi Road 3?

The three-minute walk to DT27 Ubi MRT Station is a material demand driver and capital appreciation anchor for 357B Ubi Road 3, as properties within a 400–500 metre radius of major MRT stations have historically outperformed those beyond walkable distance by 15–25% over seven-year cycles. Ubi Station's positioning on the Downtown Line provides direct access to high-employment density areas including Marina Bay, Orchard, and Bukit Panjang, making the development attractive to commuters across multiple employment corridors and reducing reliance on any single business district. Research shows that MRT accessibility premiums compound over property holding cycles; flats positioned within walking distance to a major interchange consistently attract stronger tenant demand, steeper rental growth, and more robust secondary market liquidity compared to estate counterparts situated 800+ metres from the nearest station. For capital preservation and appreciation potential, the Ubi MRT proximity positions 357B Ubi Road 3 as a resilient long-term holding, insulating it against broader estate demand shocks.

Is 357B Ubi Road 3 suitable for first-time buyers, upgraders, and investor profiles differently?

First-time buyers find 357B Ubi Road 3 attractive due to the established estate amenities, proven secondary market liquidity, and the practical floor plans supporting multi-generational living arrangements common to first-time purchaser profiles; the MRT connectivity also appeals to young couples commuting to the CBD. Upgraders transitioning from smaller 3-room flats benefit from the spacious unit configurations and established community infrastructure, avoiding renovation risks associated with older precincts and capturing modest capital appreciation from their initial purchase step. Investors recognise the development's consistent rental demand from expatriate families and young professionals, supported by institutional tenant reliability and the maturity of estate amenities attracting medium-term lease tenure; however, second-property investors must weigh the 20% ABSD acquisition cost against expected yield and appreciation returns over their intended holding period. Each buyer profile should prioritise different evaluation criteria: first-timers should focus on housing sufficiency and affordability; upgraders should model lease decay over their holding horizon; investors should stress-test yield assumptions against alternative asset classes and verify tenant demand through rental transactional data in the immediate precinct.

What are the TDSR implications for financing an HDB purchase at 357B Ubi Road 3?

HDB flat purchases at 357B Ubi Road 3 in the S$450,000–S$550,000 range will typically require gross household monthly income of S$8,500–S$10,500 to satisfy the Total Debt Service Ratio (TDSR) cap of 60%, assuming a 25-year mortgage tenure and prevailing home loan interest rates around 3.5–3.75% per annum. A household earning S$10,000 monthly can comfortably service a S$500,000 purchase with TDSR headroom, allowing for concurrent credit obligations including car loans, personal credit, and credit card revolving balances without breaching the regulatory ceiling. Buyers approaching the TDSR boundary should factor in rising interest rate scenarios; a 1% increase in mortgage rates would reduce affordable purchase prices by approximately 12–15%, highlighting the importance of conservative income modelling and stress-testing capacity over the mortgage term. First-time buyers qualifying for HDB concessional loan rates (approximately 2.6% per annum) enjoy significantly stronger TDSR headroom relative to those utilising bank financing, making the HDB lending option particularly valuable for borderline affordability cases.

How does 357B Ubi Road 3 compare to competing HDB developments in the broader Geylang–Ubi corridor?

357B Ubi Road 3 competes directly with nearby HDB developments including Blk 329–352 Ubi Road 3, units in the Geylang Lorong 25–35 precincts, and newer launches in Paya Lebar, each offering distinct positioning. Compared to Geylang Lorong precincts further west, 357B Ubi Road 3 commands a location premium due to superior MRT proximity and evolving Paya Lebar economic zone convenience, typically pricing 5–8% higher per square foot. Relative to newer Paya Lebar launches, 357B Ubi Road 3 offers more affordable entry pricing and established community amenities, though newer developments attract premium pricing and potentially younger tenant demographic profiles. When evaluated against comparable HDB precincts in Macpherson or Kaki Bukit immediately adjacent, 357B Ubi Road 3 benefits from the established Geylang estate character whilst maintaining comparable transport connectivity, resulting in broadly similar pricing bands with marginal variations reflecting micro-location nuances and individual unit condition. Prospective buyers should conduct comparative viewing across the immediate Ubi–Geylang cluster to validate pricing and unit condition relative to alternatives, ensuring capital deployment reflects specific preferences for estate character, unit configuration, and medium-term holding objectives.

Which unit stack or floor level offers the best value proposition at 357B Ubi Road 3?

Mid-level units between the 6th and 12th floors at 357B Ubi Road 3 typically offer optimal value, balancing the lower acquisition costs of lower-floor units against the premium pricing and limited availability of higher-floor units, whilst capturing adequate natural ventilation and light without the top-floor solar heat absorption penalty common to 15th+ floor units. Lower-floor units (1st–4th storey) attract marginal pricing discounts of 2–4% relative to mid-level equivalents but may suffer minor drainage and moisture concerns in a mature estate environment; however, families with young children or elderly residents benefit from the reduced lift wait times and pedestrian convenience. Higher-floor units (13th–15th storey) command 6–10% premiums reflecting superior natural light, ventilation, and view considerations, though the financial premium relative to mid-level equivalents may not justify the marginal utility gain for budget-conscious purchasers. For investor profiles optimising rental yield, mid-level units represent superior risk-adjusted value, as tenant preferences are broadly indifferent across the 6th–12th floor band, allowing investors to capture the pricing discount without sacrificing tenant quality or rental achievement. Prospective buyers should visit sample units across multiple floor levels to assess personal preferences for light, ventilation, and view, then validate pricing differences against recent transactional data before finalising purchase decisions.

What is the future supply pipeline in the Geylang–Ubi district, and how might it affect 357B Ubi Road 3 values?

The Geylang–Ubi district's supply pipeline remains relatively constrained relative to growth areas in the northeast and west, with most vacant land already committed to the Paya Lebar economic zone development and scattered higher-density infill projects unlikely to significantly increase HDB supply in the immediate Ubi Road precinct over the next five years. The Urban Redevelopment Authority's 2024 focus on estate rejuvenation and height intensification rather than horizontal expansion suggests incremental rather than transformative neighbourhood change, supporting stable capital values and reducing obsolescence risk for 357B Ubi Road 3. Paya Lebar's transition to an alternative CBD and tech hub will likely increase employment concentration and inbound migration to the eastern precinct, creating sustained or increasing demand for HDB housing proximate to the new economic zone—a dynamic favouring 357B Ubi Road 3's appreciated strategic positioning. Medium-term supply constraints combined with employment growth forecasts suggest limited downside risk to capital values from new competition, though buyers should monitor government housing policy announcements and henges to Paya Lebar development timelines, as acceleration of the economic zone or introduction of subsidised new HDB launches in the precinct could moderate appreciation expectations.

Hdb Flat At 357B Ubi Road 3 — From S$4,500