HOROI

HDB town scorecard · rubric v0.2

Bishan

HDB Town / Resale scorecard

B-
60/100
75% measured

Carried by upgrader equity unlock (5.0/5); capped by transaction liquidity (1.0/5).

Best for: Upgraders timing an MOP exit in a liquid, momentum town.

Overall60B-

the headline rubric: trend, equity, liquidity, supply, step-up

Value56C+

$764 psf — 76th pctile of 26 towns · private next door 2.47x pricier

Investment35D

9.8% 2yr momentum · 398 txns/12mo · ~60yr median lease left

The rubric

How we rate →

  • Price Trend & Momentum

    25%
    computed
    2.0/5

    9.8% 2yr psf growth ($695->$764)

    2yr town avg-$psf growth; anchor p25=9.8 med=12.3 p75=13.7

  • Upgrader Equity Unlock

    20%
    computed
    5.0/5

    $790,381 avg 4RM

    avg 4-room resale price (equity-to-port proxy)

  • Transaction Liquidity

    15%
    computed
    1.0/5

    398 txns / 12mo

    trailing-12mo resale volume; med across towns ~929

  • Future Supply Pressure

    15%
    manual · awaiting data
    3.0/5

    Awaiting data — neutral placeholder. needs HDB BTO/SBF pipeline scrape (DATA_SOURCES Tier1)

  • Step-Up Gap to Private

    15%
    computed
    4.0/5

    2.47x ($1884 D20 private resale / $764 HDB)

    private/HDB psf multiple; lower=easier step-up

  • Sentiment Signal

    10%
    manual · awaiting data
    3.0/5

    Awaiting data — neutral placeholder. manual aggregated overlay (Tier3 fragile layer)

Strongest: Upgrader Equity Unlock · Weakest: Transaction Liquidity. Each category is scored 0–5 against public anchors, multiplied by its weight and scaled to 100.

Key facts

Resale transactions (12 mo)
398
Avg resale price
$862,224
Avg resale price psf
$764 psf
Data through
Jun 2026

Data coverage

75%

75% of this rating’s weight is measured from data. The rest is a clearly-labelled placeholder or estimate — never silently blended in.

computed
— fully measured from source data (full coverage credit)
partial
— real but proxy signal (half credit)
inferred
— estimate, dampened toward neutral (no credit)
manual
— neutral 3.0 placeholder awaiting data (no credit)

Map

Pins: rated private launches in this town’s comparison districts — tap one to open its scorecard.

Price history

median $psf by month

Median resale $psf per month across the town, from HDB resale registrations. Thin bars show monthly transaction counts.

  • median resale $psf
  • transactions / month
  • trend extrapolation — not a forecast