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HPS & Mortgage Coverage Gap Calculator Singapore

Model the remaining housing loan, each owner's payment responsibility and user-confirmed protection through the loan term. The result keeps HPS and private mortgage cover separate, applies HPS only to HDB scenarios and shows when a selected owner's modelled gap first appears.

✓ Results shown free✓ Dated source references✓ General information only

HPS and mortgage responsibility · methodology v1.0.0 · CPF sources verified 3 Sep 2026

Profile values stay editable. HPS and private-cover values remain unselected until you choose them.

01

Mortgage assumptions

Use the current outstanding balance, current annual rate and remaining loan term. The model holds the rate constant and calculates an amortising instalment.

CPF Board
Mortgage assumptions
Owners and confirmed cover

Add each borrower or owner, then enter the share of the monthly instalment they are responsible for. Model one owner's claim scenario at a time.

Owner 1

Owner 2

Calculated in your browser. Do not enter medical, claim, policy-number or insurer-login information.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

  • 01Outstanding mortgage path and calculated monthly instalment
  • 02Selected owner's HPS and private-cover path
  • 03Responsibility-aligned coverage gap
  • 04Mortgage remaining after the selected-owner claim scenario
  • 05Age-65, cover-expiry and household-share warnings
Transparency standard

The workings stay visible from day one.

✓
Official rules

Applied parameters include a source and verification date.

✓
Assumptions

User inputs and defaults are clearly separated.

✓
Limits

Scope and exclusions appear beside the result.

Read the full methodology→

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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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