Free Tool
Singapore vs Malaysia Property Comparison 2026
Your Budget & Rental Assumptions
S$
Your total property purchase budget in Singapore dollars.
S$
Typical for a room / small HDB unit in SG.
RM
Typical for a KL condo at ~RM 1.7M.
Affects ABSD on the Singapore side.
Singapore
Purchase Costs
Property Price
S$ 0
BSD
S$ 0
ABSD
S$ 0
Legal Fees (est.)
S$ 0
Total Upfront (SGD)
S$ 0
Yield & Cashflow
Gross Yield
0%
Est. Monthly Mortgage
S$ 0
Monthly Cashflow
S$ 0
Note
SG mortgage: 75% LTV, 4.0% p.a., 25-year tenure.
Malaysia
Purchase Costs
Property Price (RM)
RM 0
Stamp Duty (8% foreigner)
RM 0
Legal Fees (SRO 2023)
RM 0
State Consent Fee (est.)
RM 0
Down Payment (30%)
RM 0
Total Upfront (RM)
RM 0
Total Upfront (SGD)
S$ 0
Yield & Cashflow
Gross Yield
0%
Est. Monthly Mortgage
RM 0
Monthly Cashflow (pre-tax)
RM 0
Monthly Cashflow (after 30% tax)
RM 0
Note
MY mortgage: 70% LTV, 4.5% p.a., 30-year tenure. Tax: 30% on net rental (non-resident).
Comparison Summary
Singapore
Malaysia
Total Cash Needed (SGD)
S$ 0
S$ 0
Gross Yield
0%
0%
Net Monthly Cashflow (SGD)
S$ 0
S$ 0
Verdict
—
Note
This is a simplified comparison. Actual costs vary by location, property type, and financing terms. SG ABSD can make a 2nd SG property significantly more expensive. Exchange rate: SGD 1 = MYR 3.4.
Reference Tables
Singapore BSD (15 Feb 2023)
| Band | Rate |
|---|---|
| First S$180,000 | 1% |
| Next S$180,000 | 2% |
| Next S$640,000 | 3% |
| Next S$500,000 | 4% |
| Next S$1,500,000 | 5% |
| Above S$3,000,000 | 6% |
Singapore ABSD (27 Apr 2023)
| Profile | 1st | 2nd |
|---|---|---|
| SG Citizen | 0% | 20% |
| SG PR | 5% | 30% |
Malaysia Foreigner Stamp Duty
| Type | Rate |
|---|---|
| Residential (foreigner) | 8% flat |
| Non-residential | 4% flat |
Malaysia Legal Fees (SRO 2023)
| Band | Rate |
|---|---|
| First RM 500,000 | 1.25% |
| RM 500K – RM 7.5M | 1.00% |
| Above RM 7.5M | Negotiable (max 1%) |
Mortgage Assumptions
| Singapore | Malaysia | |
|---|---|---|
| LTV | 75% | 70% |
| Interest Rate | 4.0% p.a. | 4.5% p.a. |
| Tenure | 25 years | 30 years |
Sources: IRAS BSD • IRAS ABSD • Finance Act 2025 (8% foreigner residential) • SRO 2023 (P.U.(A) 350/2023)
Stop guessing. Start cashflowing.
Ready to find cashflow-positive properties?
The only data-driven directory of cashflow-positive properties in Malaysia — with side-by-side conventional and Islamic financing analysis for every listing.
Get PropCashflow — SGD 999 →One-time payment · Lifetime updates · Updated weekly