Toa Payoh 2027–2028 | HIP and Neighbourhood Renewal

Toa Payoh residents preparing for 2027 and 2028 should distinguish two HDB upgrading programmes that affect different parts of daily life. In its 7 May 2026 Age Well Neighbourhood announcement, the Ministry of Health referred to a Home Improvement Programme (HIP) covering 37 blocks in Toa Payoh and an ongoing Neighbourhood Renewal Programme (NRP) at Lorong 1, 2, 3 and 5. HIP primarily addresses maintenance and safety improvements to older flats; NRP improves shared neighbourhood spaces. The announcement does not mean every household in Toa Payoh will have the same works or completion date.

Under HDB’s HIP rules, a block proceeds only if at least 75% of its eligible Singapore Citizen households vote in favour. Essential works are fully government-funded for Singapore Citizen households, while optional works and suitable Enhancement for Active Seniors (EASE) fittings are subsidised under the applicable conditions. For a household expecting works in 2027–2028, the practical first step is to confirm its exact block and precinct status with HDB, read its polling and works notices, and plan for access, noise, bathroom arrangements and any owner payment rather than assuming a town-wide schedule.

Official Toa Payoh policy reference: MOH, 7 May 2026, noted HIP works for 37 blocks and NRP across Lorong 1, 2, 3 and 5.
HIP purpose: repair common problems in ageing flats and upgrade essential infrastructure where needed.
HIP polling threshold: support from at least 75% of a block’s eligible Singapore Citizen households.
HIP components: Essential Improvements, Optional Improvements and EASE home-safety fittings.
Typical duration according to HDB: about 1.5–2 years for a precinct, with works inside an individual flat generally taking 10 working days or less depending on selection.
Costs: essential improvements fully funded for Singapore Citizen households; optional items subsidised with an owner share that depends on flat type and the approved works.
NRP purpose: resident-informed improvement of shared neighbourhood facilities, not a compulsory refurbishment of every flat’s toilet.
NRP consensus requirement: at least 75% support from eligible flat owners in the neighbourhood.
Important caution: the ’37 blocks’ figure is a programme statement, not a substitute for the exact HDB address list or a completion calendar for every block.
Next action: check official precinct notices, record voting dates, confirm works scope, prepare the flat and contact HDB if a safety issue arises.

Why Toa Payoh residents need a separate upgrading guide

Toa Payoh’s newer housing and transport projects attract attention, but established flats have everyday maintenance needs that do not disappear when a new development is announced. Pipes, bathrooms, electrical infrastructure and building surfaces age. A family may be more affected by an upcoming ten-day period of works inside its home than by a large new mall proposed elsewhere in the town.

The Home Improvement Programme is intended to address these practical maintenance issues systematically. The Neighbourhood Renewal Programme focuses on common spaces. A resident can encounter both without their purposes being identical, and the two should not be mixed with the separate Silver Upgrading Programme for senior-friendly outdoor routes.

The aim of this article is to turn official programme language into useful decisions: how to confirm whether a block is included, what a poll means, which works are compulsory, which can be chosen, how to budget and how to prepare daily life during construction. It is not a claim that the same works will take place in every flat.

What the official ’37 blocks’ figure means

MOH’s 7 May 2026 statement about Toa Payoh Age Well Neighbourhoods mentions HIP for 37 blocks in the town. The sentence is useful as a broad progress signal, but it does not itself enumerate all 37 block addresses or supply a single calendar for their works.

Do not infer that every block on Lorong 1, 2, 3 or 5 is automatically among those 37. The NRP statement uses a geographical description, while HIP is administered by specific precincts and blocks. Different programme lists may overlap, but the overlap must be checked with official records rather than guessed.

HDB has also released HIP selection lists in different years. A list published in 2024 or 2026 describes that particular selection batch; it should not be casually relabelled as the 37 blocks named in MOH’s May 2026 update. For an individual homeowner, the exact precinct notice is the controlling source.

HIP versus NRP: two different questions

A useful way to remember the difference is this: HIP asks what maintenance and safety improvements are needed in ageing flats, while NRP asks how the shared neighbourhood environment can be renewed. HIP may involve plumbing, concrete repairs and a homeowner’s choices about optional interior work. NRP may involve footpaths, outdoor social spaces or other neighbourhood facilities selected through public engagement.

They also have different decision processes and cost arrangements. A resident should not assume that approving a neighbourhood garden determines whether their toilet will be upgraded, or that HIP polling is the same vote used for a different programme.

When a notice arrives, read its exact programme name before discussing it with neighbours. This simple habit prevents confusion about eligibility, the scope of works and who to contact. HDB’s official pages explain the different programmes separately for a reason.

Why HIP was introduced

HDB introduced HIP in 2007 to address recurring maintenance problems in older flats. Its eligibility framework initially focused on flats built up to 1986 without the previous Main Upgrading Programme, and was expanded in 2018 to include flats built between 1987 and 1997.

That history matters because the programme is a building-maintenance response, not a reward for living in a fashionable estate. Some issues emerge gradually after years of use. Spalling concrete may expose a weakened surface, pipe systems may require replacement, and bathroom fittings may no longer serve residents well.

A structured programme lets substantial work be coordinated rather than leaving each household to organise isolated remedies. But participation still involves disruption and choices. Homeowners need to understand the planned essential works and the trade-offs of optional improvements before they vote or prepare for contractors.

Essential Improvements: what they cover

HDB describes Essential Improvements as works necessary for public health, safety or technical reasons. They may include repair of spalling concrete and structural cracks, replacement of specified waste or soil discharge stacks, and related technical items. Actual works depend on site assessments and the condition of the building.

The word essential is important. If a block passes the HIP poll, applicable essential works are not simply a menu of cosmetic upgrades that every owner can decline independently. These works can address infrastructure that affects more than one flat. Replacing a pipe stack, for example, may require access or coordination across several households.

Before works begin, read the specific contractor and HDB notices. Do not infer from a general description that every pipe will be changed even if it is sound, or that every flat will require identical repair. The site assessment and approved works scope determine what happens.

Optional Improvements: a household choice

HDB’s Optional Improvements may include toilet and bathroom upgrading, certain entrance-door or grille works, or refuse chute improvements depending on the package and flat circumstances. These are distinct from the essential works and are subsidised under the relevant rules for eligible Singapore Citizen households.

The choice should be based on the flat’s current condition and the family’s expected use. A bathroom may look dated but function well; another may have accessibility or maintenance problems that make an upgrade valuable. A new fixture has benefits but can also involve temporary inconvenience and potential changes to the existing layout.

Ask what is included, what is not included and whether existing fittings must be removed or reinstated. Clarify the owner’s share of cost and the work sequence. Never assume a particular brand, finish or optional item is included without reading the official specifications.

How the 75% HIP poll works

HDB states that HIP proceeds when at least 75% of the block’s eligible Singapore Citizen households vote in favour. Singapore Permanent Resident households are not eligible to participate in the HIP poll. This is a block-level approval condition, not a simple majority among only those who happen to discuss the issue in a residents’ chat.

The threshold reflects the nature of essential work. Building systems often run through multiple flats, so widespread access and coordination are necessary. A failed vote can therefore affect residents who would personally welcome the repairs, which is why the official information pack and voting arrangements deserve careful reading.

If your block is polled, check the eligible voter details, dates and official voting method. Do not assume that a neighbour’s verbal assurance records your vote. If you cannot attend or complete the process as expected, ask HDB about the authorised arrangements rather than relying on an informal proxy.

What happens after a successful HIP poll

A successful poll does not mean contractors begin removing bathroom tiles the next morning. HDB and the appointed teams must prepare the works, arrange surveys, coordinate schedules and communicate with residents. The full precinct programme can last much longer than work inside any one flat.

HDB gives a typical precinct duration of about 1.5 to 2 years, assuming a grouping of roughly eight to ten blocks, and says that works within a flat generally take ten working days or less according to the choices made. These are typical figures, not guaranteed appointment dates for a Toa Payoh household.

Once the official work notice arrives, make a household plan around the stated dates. Consider whether anyone works night shifts, cares for a baby, attends examinations or needs support with daily activities. Discuss practical constraints with the appointed team early, but do not assume every requested date change will be possible.

Preparing for a pre-works survey

A contractor or HDB team may need to survey a flat before work. This is an opportunity to confirm the actual condition and plan how access will be provided. Clear the relevant spaces enough for safe inspection and inform the authorised team about important household constraints.

Make a record of the existing bathroom, pipes, fixtures and finishes, especially where removal or reinstatement may be involved. Photographs can be helpful, but do not include private documents or sensitive household information in unnecessary messages. Keep the record for practical follow-up.

Ask about which appliances or cabinets need to be moved, whether water or power will be interrupted, how dust will be contained and how temporary toilet arrangements work. A little preparation before the first construction day can prevent substantial frustration later.

Bathroom use during HIP works

Bathroom upgrading can affect an ordinary routine in a major way. Residents may need to make temporary arrangements for washing and toilet use, depending on the exact nature of works. HDB’s official HIP information explains the available arrangements and how work is sequenced.

For a household with children, seniors or a person with disabilities, those details matter more than the appearance of new tiles. Ask whether the temporary facility is accessible, how far away it is, and whether an alternative suitable for the household is needed. Do this before the bathroom becomes unavailable.

A family with someone who requires frequent toileting or cannot manage stairs should explain that limitation to the appointed project team. It may be necessary to make alternative arrangements for the work period. The best plan starts with the resident’s actual needs, not the assumption that every household can use the same temporary provision.

Noise, dust and daily schedules

Renovation and maintenance works can produce noise, dust and periods when a particular room cannot be used. These are predictable challenges, though the actual amount depends on the approved work and local conditions. A family should plan for affected working hours rather than expect life to continue exactly as before.

If someone works from home, consider whether an alternative workspace is necessary for particular days. Students facing examinations may need a quiet study place. People sensitive to dust or who require medical support may need a plan prepared with appropriate professional guidance.

Contractors should follow the relevant safety and work requirements, but residents also need to keep children away from tools and closed work areas. Use official communication channels for concerns. A good report identifies a specific issue without escalating every normal construction sound into a dispute.

Protecting furniture and personal belongings

Construction preparation can require clearing corridors, protecting furniture and moving fragile possessions away from areas where work will take place. Ask the contractor exactly which zones must remain accessible. Avoid placing valuable objects where workers need to move equipment.

A simple checklist includes electronics, documents, medicines, glass items and the possessions that would be difficult to replace. Cover or store items according to the contractor’s instructions. Do not block fire escape routes with temporary storage.

If the household includes someone who may become confused by changed furniture arrangements, plan a safe temporary layout and explain it clearly. Renovation is not only a technical exercise; it can change familiar movement patterns around the home. Keeping clear circulation space should remain a priority.

Understanding the cost of essential works

HDB states that Essential Improvements under HIP are fully funded by the Government for eligible Singapore Citizen households. This does not imply that every household in every ownership category pays nothing for every item, nor that optional improvements are automatically free.

The exact cost-sharing framework depends on citizenship, flat type and selected work. Singapore Permanent Resident households are treated differently, including responsibility for full upgrading costs under the published scheme. Residents should read the current HDB cost schedule and their specific precinct’s notice.

For a Singapore Citizen owner, the most useful budget figure is the official estimated share for optional and EASE improvements actually selected. Avoid relying on a neighbour’s bill from a different flat type or an older programme batch.

Optional costs and flat-type differences

HDB’s HIP page gives different cost-sharing percentages for Singapore Citizen households according to flat type. Its examples include 5% for one-, two- and three-room flats, 7.5% for four-room flats, 10% for five-room flats and 12.5% for executive flats for the applicable optional-improvement package.

These percentages are not a licence to calculate a final bill from an arbitrary contractor price. HDB publishes estimated figures for particular packages and the final amount can depend on approved scope and completion. Check the official schedule relevant to the precinct and confirm which optional items were selected.

If affordability is difficult, discuss the issue with HDB through its official channels rather than ignoring notices or making commitments without understanding them. An accurate payment plan should distinguish a one-time upgrading bill from an ongoing household expense.

When payment is made

HDB explains that owners pay the upgrading cost after the precinct’s works are completed and the charges are finalised, with liability linked to the flat owner at the time of billing. Its public page contains scheduled billing dates and explains that a precinct still undergoing works may not be billed within the next few months.

This can matter for buyers or sellers of an older flat. A person considering a resale transaction should find out whether HIP works, polling or billing are relevant to that property. Do not simply assume the person who lived there when workers first arrived will necessarily be the person charged at the later billing date.

Where ownership is changing, seek official clarification about liability and transaction arrangements. A private agreement between buyer and seller may have its own terms, but it should not substitute for checking the actual HDB billing rule.

EASE: adapting a home for everyday safety

Enhancement for Active Seniors (EASE) is available as part of HIP and through a separate direct-application route where eligibility conditions are met. It offers subsidised improvements intended to support mobility and reduce fall hazards at home, such as appropriate grab bars, slip-resistant bathroom treatment and certain ramp or access solutions.

Not every flat needs the same items. A resident using a wheelchair may require different access modifications from someone who walks independently but needs balance support near the shower. The correct choices depend on the person and technical feasibility, not on installing every item offered.

HDB determines installation arrangements through its process and site assessment. Residents should not assume all desired fittings will fit the existing walls or layout. The safest plan is to identify specific difficulties and discuss suitable measures with the appointed team.

Who can apply directly for EASE

According to HDB’s published direct-application conditions, eligible Singapore Citizen households and registered public-rental tenants may qualify where a family member is aged 65 or above, or aged 60–64 and needs assistance with at least one Activity of Daily Living. Additional documentation applies in some cases.

Activities of Daily Living include everyday tasks such as washing, dressing, feeding, toileting and moving. A household should not interpret the criteria as permission to self-certify a condition inaccurately. Where a functional assessment is required, follow HDB’s current instructions and use the relevant qualified assessor.

EASE direct application can be relevant if a block is not undergoing HIP or a resident needs suitable safety improvements sooner. That is particularly important when someone has a present safety issue and cannot reasonably wait for a future precinct upgrading phase.

Why EASE and HIP need separate decisions

A block’s HIP timeline is determined by precinct selection, polling and implementation. An individual household’s EASE needs may arise on a different schedule. If a person develops difficulty stepping into a bathroom, it may not be wise to wait for a general works programme without checking whether direct EASE application is available.

Conversely, a flat already scheduled for HIP may have an opportunity to coordinate the EASE items with other upgrading. Ask HDB about the correct application and work sequence; avoid arranging duplicate changes before understanding what the appointed team will deliver.

The broader principle is simple: preserve safety today while planning sensible long-term improvements. A home that is safe and accessible is more important than making sure every fitting is installed on the same date.

What the Neighbourhood Renewal Programme changes

NRP is a separate programme intended to improve common neighbourhood spaces and facilities based on residents’ preferences and local needs. HDB describes works such as better landscaped areas, covered links, play and fitness facilities and improvements to access where feasible.

For Toa Payoh, MOH’s May 2026 update specifically mentions an ongoing NRP across Lorong 1, 2, 3 and 5. That is a neighbourhood description rather than a complete list of funded fixtures. The final local plan and engagement results determine which items are actually included.

Residents should evaluate NRP proposals through daily use. Is a covered route missing? Do children need a more appropriate play area? Is the space outside the block hard for a wheelchair user to navigate? A clear statement of the problem helps shape an improvement that has value beyond its appearance.

The NRP 75% consensus process

HDB says NRP proceeds when at least 75% of eligible flat owners in the neighbourhood support the proposals during the Consensus Gathering Exercise. This threshold is related to but not the same as HIP’s block-level polling rule. The programmes have different voting units and purposes.

The process follows public engagement, which may involve dialogues, events, exhibitions and surveys. Residents are invited to help prioritise improvements. No one should assume that a proposal becomes final simply because it appeared in an initial poster.

If you live in an affected precinct, check the official engagement notices and learn what is open for feedback. It may be more useful to identify one significant missing linkway than to request an extensive list of amenities without clear need.

NRP and SUP: why names can become confusing

The Neighbourhood Renewal Programme improves shared spaces through a neighbourhood-centred process. The Silver Upgrading Programme has a more explicit focus on age-friendly facilities in selected precincts. Both can affect paths or communal areas, but their funding, selection and implementation arrangements need not be identical.

Toa Payoh’s 2028 Silver Upgrading milestone at Lorong 1 and 2 should therefore not be treated as the guaranteed completion date for every NRP work at Lorong 1, 2, 3 and 5. MOH mentioned these schemes separately in its May 2026 update.

When you read a notice, record the programme name, precinct and date. If you cannot tell which scheme a work belongs to, ask the responsible agency rather than assigning it based only on the location. Accurate categorisation helps residents understand what to expect.

How upgrading affects older residents

A person living alone may find home works particularly disruptive. Furniture may need moving, bathroom access may change temporarily and visits from workers can feel unfamiliar. Families should discuss the programme early rather than assuming the older resident will manage all arrangements independently.

Prepare a straightforward plan: identify an emergency contact, explain how authorised workers will be recognised, keep daily medicines accessible and choose a safe place to rest during noisy periods. If the person needs assistance with bathing or mobility, confirm temporary arrangements before essential facilities are unavailable.

After works, walk through the new layout with the resident. A different bathroom kerb or grab bar position may require a brief adjustment period. A programme is successful only when the finished home is usable for the person who lives there.

Keeping contractor visits safe and legitimate

Upgrading can create opportunities for confusion about who is authorised to enter a flat. Residents should verify appointments and contractor identification through HDB’s official communications. A worker’s claim that the project is government-approved does not justify unexpected payment demands or access to private financial details.

Be cautious about unsolicited offers of extra renovation work that appear to be part of HIP. Ask whether an item is official, optional or a separate private purchase, and get details in writing before agreeing. The public programme and a private contractor’s sales pitch are not interchangeable.

If someone requests Singpass credentials, bank passwords or unusual immediate transfers, do not provide them. Verify independently using official contact channels. Clear boundaries protect homeowners while allowing genuine work to proceed.

The importance of pre-existing defects

Before workers begin, document significant current defects such as cracks, leaks, damaged fixtures or unusual dampness. This does not mean blaming the planned project for every defect; it helps establish the condition of the property before changes.

If there is an active dangerous condition, report it through the proper maintenance route rather than waiting for HIP. The programme may address some structural and technical issues, but it should not be treated as a substitute for urgent safety action.

During and after works, report any new concern promptly with a location, photograph where appropriate and date. A specific defect report supports assessment and repair. Retain relevant correspondence until the project is closed out to the household’s satisfaction.

Resale-flat buyers: include upgrading status in due diligence

A buyer of an older Toa Payoh HDB flat should check whether the block has been selected, polled, upgraded or billed under HIP. The condition of the flat and any outstanding payment matters may affect transaction planning. Do not infer a block’s status from the age of the estate alone.

Ask the seller and verify appropriate information through HDB and transaction documents. If works are incomplete, understand the likely period of disruption. If upgrading costs remain to be billed, clarify the legal and contractual treatment instead of relying on verbal assumptions.

A home with completed repairs is not automatically worth a particular premium, nor is a pending project necessarily a reason to avoid the flat. The right decision considers condition, cost, location, remaining lease and the buyer’s ability to manage works.

Landlords and tenants: agree on access and disruption

Tenants may live through work on a flat they do not own. They still need clear information about schedules, access, temporary bathroom arrangements and how the landlord will coordinate with HDB or appointed contractors. The tenancy agreement and applicable law determine the parties’ responsibilities, which should not be guessed.

Communicate early and in writing. The resident needs to know who is the authorised contact on works days, how keys are handled and how unforeseen issues will be reported. The owner needs the tenant’s cooperation while respecting the tenant’s legitimate use and privacy.

A practical arrangement anticipates difficulties rather than waiting for an argument after a contractor arrives. If a matter is complex, obtain appropriate legal or housing advice rather than relying on generic online comments.

A household works calendar for 2027

Begin with confirmed dates only. Put the HIP poll, survey, selection deadline, start of work and estimated in-flat completion into a small calendar as notices arrive. Do not fill unknown dates with guesses copied from another precinct.

Then add household constraints: examination periods, work travel, caregiving visits, medical appointments and important family events. If a conflict exists, raise it with the appointed team as early as possible. A normal works programme may have limited flexibility, but a clear request is easier to consider than a last-minute surprise.

Keep essential documents and contact details together. During work, note major changes and the person to whom they were reported. At completion, check the agreed scope and any instructions for using or maintaining new fittings.

A 2028 follow-up plan after completion

After upgrades, residents should observe how the improvements work in everyday life. Does a new bathroom treatment provide stable footing? Do new fittings interfere with opening doors or storing essential items? Are there leaks, loose fixtures or other problems that require follow-up?

Use the official defects and feedback process for concerns. Do not rely only on a casual conversation with a worker who may no longer be assigned to the precinct. Keep records of the issue and the response, especially when a warranty or rectification process applies.

For shared areas improved under NRP, check maintenance over time. A covered linkway or landscaped rest point is useful only if it remains clear, safe and functional. Reporting practical defects helps protect the long-term value of an improvement residents helped to fund and select.

Worked example: an older owner preparing for toilet works

Imagine an older resident whose block has passed the HIP poll. The resident can manage daily activities but is nervous about a temporary bathroom arrangement. A family member begins by reading the exact works notice, then asks the project team about access and timing.

The family identifies where the resident can wash and use the toilet during the work period, whether a support person should be present and what items must be moved. They also ask whether appropriate EASE fittings can be incorporated and what the owner would pay under the approved scheme.

The plan does not eliminate every inconvenience. It does make the renovation more predictable and reduces the risk of an unsafe improvisation when the bathroom becomes unavailable.

Worked example: a working couple with a schoolchild

A household with two working adults and a schoolchild has different concerns. The child may need quiet study time while renovation noise is occurring, and one adult may have to be home for arranged appointments. The family should compare the official work schedule with its school and work calendar.

If necessary, identify a temporary study location and make arrangements for meals or showers. Keep school materials away from dusty work zones. Explain the changes to the child calmly and reinforce that contractor areas are not places to explore.

When work finishes, allow time to check the flat’s usability before assuming everything is back to normal. A few targeted preparations can make a short but disruptive period far more manageable.

Worked example: an owner considering a resale transaction

Suppose an owner intends to sell a Toa Payoh flat while its precinct is moving through HIP. The owner should check the project’s status, likely works and billing rules before negotiating timelines. The sale process may involve a buyer who wants clarity about disruption and outstanding obligations.

The correct approach is factual disclosure and verification. Obtain the relevant HDB statements, explain what is confirmed and separate it from projections. If the final bill has not been issued, do not invent a figure or promise it will be waived.

The buyer and seller should use the appropriate formal transaction processes and professional advice where needed. A clear statement about upgrading status reduces avoidable disputes without turning the maintenance programme into a property speculation story.

Frequently Asked Questions

Are 37 Toa Payoh blocks undergoing HIP?

MOH’s May 2026 Age Well Neighbourhood update refers to HIP for 37 blocks in Toa Payoh. Confirm the exact block and stage through HDB’s current precinct information. The number does not mean all blocks are at one identical phase.

Does HIP mean everyone must renovate the toilet?

No. HIP includes essential work and optional improvements. Once the block approves the programme, applicable essential improvements are required, while optional work choices depend on the scheme and household.

What vote is needed for HIP to proceed?

HDB says at least 75% of the block’s eligible Singapore Citizen households must vote in favour. This differs from the NRP’s neighbourhood consensus requirement.

How long will workers be inside my flat?

HDB says in-flat works generally take ten working days or less, depending on selected items, while a typical precinct programme may last 1.5 to 2 years. Individual schedules must come from the appointed project team.

Are upgrades free for Singapore Citizens?

Essential Improvements are fully government-funded for eligible Singapore Citizen households. Optional and EASE items are subsidised but may have an owner share. Check the current cost schedule.

Can I apply for EASE without waiting for HIP?

Potentially. HDB has a direct-application route for eligible households, including those with qualifying seniors who need improvements sooner. Review the latest eligibility and technical feasibility conditions.

Is NRP the same as HIP?

No. NRP improves shared neighbourhood spaces; HIP addresses maintenance and improvements within or associated with ageing flats. They have separate public processes and scopes.

Does NRP at Lorong 1, 2, 3 and 5 finish in 2028?

Do not assume that from MOH’s announcement. The separate Silver Upgrading Programme at Lorong 1 and 2 has a second-half-2028 completion target, but NRP schedules must be checked from their own notices.

Who should check the final bill when an owner sells?

The parties should verify HDB’s billing and ownership-liability rules and the transaction terms. Do not rely on an estimate from another flat or an informal assumption about who pays.

Official Sources and Further Reading

Your Next Step

Before making a renovation or moving decision, verify whether your exact Toa Payoh block is included and what stage it has reached. Read the formal HIP or NRP notice, check the correct voting and cost rules, and plan any temporary disruption around real household needs. Use HDB’s official precinct information for timing; the town-wide 37-block reference is not itself a works appointment.

Toa Payoh 2027-2028 | HDB Home Improvement Programme and Neighbourhood Renewal