Type

Units

Min Area

Price Range

Other

125 sqft

S$1,400/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,400.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$280 on this acquisition.
Located 12 min (1.03 km) from EW21 Buona Vista 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.

4 Ghim Moh Road: A Mature HDB Development in Singapore's Central Region

4 Ghim Moh Road stands as an established residential development situated in one of Singapore's most sought-after neighbourhoods. Positioned strategically within the central business district arc, this HDB development benefits from decades of community maturity and proven residential stability. The location represents a balance between urban convenience and the quieter appeal of a well-established estate, making it an attractive proposition for multiple buyer categories ranging from first-time purchasers to experienced investors.

The development's proximity to Buona Vista MRT Station, located approximately 1.03 kilometres away with a walking time of around 12 minutes, provides residents with direct access to the East West Line. This connectivity positions occupants just minutes from the Central Business District, major commercial hubs, and employment centres scattered throughout the island. The MRT access also facilitates seamless travel to educational institutions, healthcare facilities, and leisure destinations across Singapore's broader transport network.

Location and Accessibility

Ghim Moh Road occupies a distinctive position within Singapore's geography. The area is well-serviced by secondary roads and has developed a reputation as a residential enclave that balances urban proximity with established community infrastructure. Residents enjoy access to a network of neighbourhood shops, food courts, and supermarkets that have evolved organically over decades. The proximity to both commercial districts and established residential areas creates a unique market dynamic where the development appeals equally to upgraders seeking familiar surroundings and newcomers attracted to the neighbourhood's reputation.

The road itself is lined with mature infrastructure, including established retail frontages and dining establishments that serve both residents and commuters. Public bus services complement the MRT connection, providing alternative transport options during peak congestion periods. The walking distance to Buona Vista MRT Station remains manageable for most residents, particularly those working within the CBD or eastern corridors of the island.

Market Characteristics and Investment Appeal

HDB developments in Singapore's central regions have demonstrated consistent rental demand from professionals, young families, and expatriates seeking temporary accommodation near major employment centres. The rental market for units at this development typically reflects strong fundamentals driven by proximity to the CBD and reliable transport connections. Investors considering units at 4 Ghim Moh Road should evaluate prevailing market rental rates for comparable HDB units in the vicinity, as yields vary according to unit size, condition, and market cycles.

The development's maturity offers several advantages to investors. Firstly, the estate's infrastructure is fully developed and maintained by the town council, eliminating uncertainty associated with early-stage developments. Secondly, a substantial pool of existing residents provides built-in demand for rental units, creating consistent tenant inquiry. Thirdly, historical transaction data for comparable units in the precinct is readily available, enabling informed purchase decisions based on verified market evidence rather than speculative projections.

Pricing and Comparative Market Position

Current asking prices for units at 4 Ghim Moh Road reflect the maturity of the development and the established nature of the neighbourhood. When evaluating value, potential buyers should consider recent per-square-foot transactions of comparable HDB units within the same estate and surrounding precincts. The HDB market in this central region has demonstrated stable transaction volumes, with pricing generally correlating to unit size, condition, floor level, and block position. Comparing 4 Ghim Moh Road units against recent sold transactions in nearby blocks provides the most accurate baseline for assessing whether current offerings represent fair market value or exceptional opportunity.

Buyer Profile Alignment

First-time buyers attracted to 4 Ghim Moh Road typically value the established community atmosphere, proven transport links, and established amenity infrastructure. The neighbourhood's proximity to employment centres makes it particularly appealing for young professionals beginning their home ownership journey. Upgraders moving from smaller units or other estates appreciate the developed facilities, transport accessibility, and the option to downsize or reposition within a familiar neighbourhood. High-net-worth individuals occasionally acquire units as alternative investments, though they more commonly focus on private residential developments with premium finishes.

Investors evaluating 4 Ghim Moh Road as an acquisition typically focus on yield calculations and tenant demand patterns. The development's established reputation and convenient location support consistent rental interest from expatriates on temporary assignments and professionals seeking short-to-medium-term housing near major business districts. The mature nature of the development means rental rates have stabilised at levels reflecting true market demand rather than speculative pricing, enabling investors to model returns with reasonable confidence.

Financing and Affordability Considerations

HDB units at 4 Ghim Moh Road generally fall within price ranges that qualify for Housing Development Board loans and standard bank financing. Purchasers should engage financial advisors to evaluate Total Debt Servicing Ratio (TDSR) requirements at their respective price points, ensuring sufficient headroom for loan approval and future rate adjustments. The Central Provident Fund (CPF) remains the primary financing vehicle for HDB purchases, with the Ordinary Account typically covering significant portions of the purchase price. Banks are well-accustomed to HDB financing in this precinct, and loan-to-value ratios are generally favourable, reflecting the stability of HDB property values in established estates.

Additional Buyer's Stamp Duty Implications

Singapore Citizens purchasing a second residential property are subject to Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. This surcharge significantly increases acquisition costs for investors or owner-occupiers acquiring a second home and should be factored into financial planning before committing to a purchase. The 20% ABSD rate applies to the full contract price and is payable within 14 days of the executed agreement, representing a substantial cash outlay beyond the standard conveyancing costs. Buyers in this category should model the impact of ABSD on their investment returns and overall affordability, as it materially affects the effective cost of acquisition.

Estate Development and Future Considerations

The Ghim Moh precinct and surrounding central region have benefited from stable Government planning policies that encourage residential stability rather than rapid redevelopment cycles. Unlike newer developments in growth corridors, 4 Ghim Moh Road is not subject to significant pipeline supply pressure from major new launches in the immediate vicinity. This characteristics supports price stability and rental consistency, as demand is not displaced by new alternatives constantly entering the market. The mature estate environment also means town council services and maintenance standards are well-established, with predictable operating costs and established governance frameworks.

Conclusion

4 Ghim Moh Road represents a stable, established HDB investment option for buyers seeking proximity to Singapore's central business districts without the premium pricing of private developments. The development's maturity, proven transport connectivity, and established community infrastructure appeal to diverse buyer profiles ranging from first-time purchasers to seasoned investors. Success in the market depends on thorough comparative analysis against recent transactions, realistic assessment of rental yield expectations, and careful financial planning to accommodate ABSD, financing requirements, and TDSR constraints. Prospective buyers are encouraged to conduct site inspections, engage qualified advisors, and review comparable transaction evidence before finalising acquisition decisions.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 4 Ghim Moh Road as an investment?

Rental yields for HDB units at 4 Ghim Moh Road vary according to unit size, condition, and current market rental rates, which typically range from 2.5% to 4% annually depending on the specific asking price and monthly rent commanded. The development's proximity to Buona Vista MRT Station and established reputation as a residential precinct near the central business district create consistent tenant demand from professionals and expatriates requiring temporary housing. Investors should research recent rental transactions for comparable units within the same estate and surrounding blocks to establish realistic yield expectations, as quoted rates fluctuate with market cycles and tenant availability. Annual rental income modelling requires deducting property tax, maintenance contributions, and contingency reserves for vacancies, reducing gross yields by approximately 20-30% to calculate realistic net returns.

How do prices at 4 Ghim Moh Road compare on a per-square-foot basis to recent transactions in the area?

Per-square-foot pricing for HDB units at 4 Ghim Moh Road must be evaluated against recent sold transactions of comparable units within the same estate and nearby blocks, as asking prices and actual transaction prices frequently diverge. The central region HDB market has demonstrated relatively stable per-square-foot rates, typically ranging between S$600 to S$900 per square foot depending on unit size, floor level, and block position, though these figures fluctuate with broader market sentiment. Prospective buyers should request historical transaction records from the HDB or real estate databases to establish whether current asking prices represent fair value or pricing positioned above recent market evidence. Comparing units of identical size and similar condition across multiple blocks in the precinct provides the most reliable benchmark for assessing pricing competitiveness at 4 Ghim Moh Road specifically.

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

Singapore Citizens purchasing a second residential property incur Additional Buyer's Stamp Duty (ABSD) at the rate of 20% on the full purchase price, payable within 14 days of the executed agreement. For a unit priced at S$500,000, ABSD would total S$100,000, representing a substantial acquisition cost that significantly impacts investment returns and overall affordability calculations. This surcharge applies regardless of whether the purchase is intended for owner-occupancy or investment rental purposes, making it critical for second-time buyers to incorporate ABSD into their financial planning before submitting offers. The 20% rate substantially increases the effective cost of acquisition and should be modelled alongside mortgage servicing obligations and other purchasing costs when evaluating whether 4 Ghim Moh Road represents acceptable value relative to investment alternatives.

How does the distance to Buona Vista MRT Station affect demand and capital appreciation at 4 Ghim Moh Road?

The approximately 12-minute walking distance to Buona Vista MRT Station significantly enhances demand and supports price appreciation, as transport connectivity remains the primary value driver in Singapore's HDB market. Buyers and tenants consistently prioritise proximity to established MRT stations, and the East West Line connectivity positions residents within minutes of major employment centres including the Central Business District, Jurong East industrial zone, and eastern commercial nodes. This accessibility creates a broad tenant and buyer pool, supporting consistent rental demand and reducing vacancy risk for investors. Historical data across HDB developments demonstrates that units within 15-minute walking distance to major MRT stations command sustained premium valuations compared to similarly-sized units further from transport nodes, suggesting that 4 Ghim Moh Road's location advantage should provide resilience against market downturns and support gradual capital appreciation over medium-to-long investment horizons.

Is 4 Ghim Moh Road suitable for first-time buyers, upgraders, or investors, or all categories?

4 Ghim Moh Road appeals strongly to first-time buyers seeking affordable entry into ownership within Singapore's established central neighbourhoods, with proven transport connectivity and mature community infrastructure reducing perceived investment risk. Upgraders moving from smaller units or other estates value the developed facilities, established reputation, and option to reposition within a familiar precinct without relocating to unfamiliar districts. Investors pursuing steady rental income find the development attractive due to consistent tenant demand from professionals and expatriates, though expecting more modest yields (typically 3-4% gross) than newer developments in emerging growth corridors. High-net-worth individuals and portfolio investors more commonly focus acquisition activity on private residential developments with premium finishes and exclusive amenities, though some acquire HDB units as diversified holdings or legacy investments. The development's suitability therefore depends on individual investment objectives, with owner-occupiers and modest-yield investors finding greatest alignment with 4 Ghim Moh Road's market characteristics.

What TDSR and financing headroom should I expect when purchasing a unit at typical price points?

Total Debt Servicing Ratio (TDSR) calculations at typical 4 Ghim Moh Road price points depend on unit size and current asking prices, but most units fall within ranges enabling standard bank financing with 70-80% loan-to-value ratios. For a unit priced at S$500,000, assuming 75% loan-to-value financing (S$375,000 loan), monthly mortgage servicing at current interest rates typically consumes 25-35% of gross household income for owners with standard salary profiles. Central Provident Fund (CPF) Ordinary Account withdrawals can cover substantial portions of the purchase price and monthly mortgage servicing, improving effective affordability for Singapore Citizens with established CPF balances. Prospective buyers should engage bank pre-approval processes to confirm available financing headroom and ensure TDSR compliance before committing to purchase, as TDSR restrictions frequently constrain borrowing capacity for purchasers with existing liabilities or modest income levels. Additional factors including ABSD (for second-property buyers) and stamp duty reduce liquid funds available for down payments and closing costs, requiring careful cash-flow modelling beyond mortgage servicing calculations.

How does 4 Ghim Moh Road compare to nearby competing HDB developments in the same region?

4 Ghim Moh Road competes directly with other established HDB developments in the Buona Vista, Clementi, and Holland-Tanglin precincts, which offer similar transport access and established community amenities. Competing developments such as nearby blocks along Ghim Moh Road itself and adjacent estates typically command comparable per-square-foot pricing, though variations emerge based on block position, views, and specific unit configurations. The primary differentiation among competing estates relates to transport walking distances (with closer proximity to Buona Vista MRT commanding premiums), local amenity access (including proximity to shopping centres and food establishments), and block-specific characteristics such as corner positioning or greenbelt adjacency. Investors and buyers comparing 4 Ghim Moh Road against competing options should conduct comparative per-square-foot analysis across multiple nearby blocks, examine recent transaction volumes to assess relative demand, and evaluate specific unit positioning within blocks, as micro-location factors frequently exert greater influence on pricing than estate-level characteristics. The established nature of competing developments suggests pricing alignment within narrow bands, with meaningful value differences typically reflecting unit-specific rather than development-level factors.

Which unit stack positions or floor levels offer the best value at 4 Ghim Moh Road?

Mid-floor units (typically floors 4-20) at 4 Ghim Moh Road frequently offer superior value compared to ground-floor or very high-floor positions, as they provide adequate light, ventilation, and privacy without commanding the premium pricing or reduced demand of extreme positions. Ground-floor units typically command 5-10% pricing discounts due to perceived security and privacy limitations, noise from common areas, and reduced natural light, making them attractive for investors optimising entry costs and rental yields despite slightly reduced tenant appeal. High-floor units (above floor 25 on taller blocks) command premiums of 8-15% for enhanced views and perceived prestige, though these premiums may not be justified by rental income improvements, potentially reducing investment returns. Corner-block units and those with dual-aspect orientation command modest premiums (typically 3-5%) due to enhanced natural light and ventilation, while mid-block units facing corridors or service areas may trade at slight discounts reflecting reduced environmental quality. Investors seeking value should focus on mid-range floors in moderate building positions, where pricing reflects functional utility rather than premium positioning, maximising yield potential without overpaying for amenities that may not translate to higher rental rates.

What future supply pipeline exists in the central region around 4 Ghim Moh Road?

The central region surrounding 4 Ghim Moh Road, including the broader Buona Vista and Clementi precincts, has experienced stable Government planning policy prioritising residential preservation over intensive redevelopment cycles. Unlike emerging growth corridors in Singapore's eastern and northern regions, the established central neighbourhood has limited major new HDB launches planned in the immediate vicinity, reducing pipeline supply pressure that could displace demand toward newer competing developments. The maturity of the precinct and relatively high building density mean Government planning frameworks focus on maintenance, upgrading, and selective infill development rather than large-scale new construction. This constrained future supply environment supports price stability and rental consistency for existing developments like 4 Ghim Moh Road, as demand cannot be easily displaced by newer alternatives entering the market, contrasting sharply with developments in growth corridors facing significant competitive supply additions. Investors considering 4 Ghim Moh Road can reasonably expect limited structural headwinds from new competing supply, providing additional confidence in long-term value retention compared to developments in pipeline-heavy districts.

What lease-related risks should I consider, given that this is an HDB development?

HDB flats typically carry 99-year leases from the point of initial Government issue, meaning developments built in earlier decades now operate with significantly diminished remaining lease periods that progressively impact resale values and financing availability. Buyers evaluating 4 Ghim Moh Road should verify the exact lease commencement date and calculate remaining lease duration, as units with leases below 80 years typically experience reduced buyer and tenant interest, compressed valuations, and financing constraints from conservative lenders. The Housing Development Board's lease-top-up and buy-back schemes provide mechanisms for leaseholders to extend remaining lease periods, though these programmes involve additional costs that buyers should incorporate into long-term ownership projections. As remaining lease duration decreases below 80 years, capital appreciation potential diminishes and resale marketability contracts, particularly impacting investment returns which depend on both rental yield and capital value appreciation. Prospective buyers should obtain exact lease particulars, engage legal advisors to understand lease-decay implications for their specific holding period, and evaluate whether Government lease-extension programmes remain available and cost-effective before finalising purchase decisions at 4 Ghim Moh Road.

[For Rent] Hdb Flat At Ghim Moh Road — From S$1,400