2025 BTO Guide: Toa Payoh Ridge, Kim Keat & Ghim Moh Natura

Buying a BTO flat in 2025 isn’t just about securing a unit — it’s about making the right long-term decision.

With top launches like Toa Payoh Ridge, Kim Keat Heights, Kim Keat Ripples, and Ghim Moh Natura, all located in mature estates with excellent MRT access, the stakes are high and competition is intense.

This guide delivers what matters: accurate completion dates, updated 2-room Flexi flat prices, PLH model implications, and how each project compares in terms of location, amenities, and suitability for your stage of life. 

Based on official HDB data and current market insights, this is a trusted, no-nonsense resource for buyers serious about securing the right BTO flat in Singapore.

What Are the Latest BTO Projects Launching in Singapore?

The 2025 BTO launches in Singapore spotlight some of the most in-demand estates — with Toa Payoh and Ghim Moh leading the pack. Known for their central locations, mature estate amenities, and strong MRT connectivity, these launches are already drawing significant attention from first-time buyers and upgraders alike.

Among the standout developments are Toa Payoh Ridge, Kim Keat Ripples, Kim Keat Heights, and the Prime Location Public Housing (PLH) project, Ghim Moh Natura.

What BTO Projects Are Launching in Toa Payoh and Ghim Moh? 

Four major projects define this round of launches:

• Toa Payoh Ridge – centrally located with 920 units ranging from 2-room Flexi to 4-room flats.
  
• Kim Keat Ripples – a serene, ripple-inspired development with 708 units and eco-friendly features.
  
• Kim Keat Heights – heritage-themed design with sky gardens and an integrated community club.
  
• Ghim Moh Natura – a wellness-focused PLH project situated within the Health District @ Queenstown.
  

These Toa Payoh BTO projects offer a rare chance to secure a home in a mature estate, while Ghim Moh Natura combines sustainability with excellent west-side connectivity.

When Are the Estimated Completion Dates?

Understanding each project’s TOP (Temporary Occupation Permit) timeline is crucial when planning your homeownership journey:

• Kim Keat Ripples – Q2 2024 (earliest available)
  
• Toa Payoh Ridge – Q1–Q2 2025
  
• Kim Keat Heights – Q3 2027
  
• Ghim Moh Natura – Q1 2028
  

Whether you’re looking for a near-term move-in or planning ahead, these BTOs cater to different timelines — giving you options based on urgency and long-term planning.

Which Projects Fall Under the PLH Model or Standard Scheme?

Among these, only Ghim Moh Natura is launched under the PLH (Prime Location Public Housing) model, which includes stricter resale and rental conditions but offers long-term value and strategic positioning in a highly desirable neighbourhood.

The other three — Toa Payoh Ridge, Kim Keat Heights, and Kim Keat Ripples — fall under the Standard BTO scheme, offering more flexibility in future resale and eligibility options.

Toa Payoh Ridge: Central Convenience with Scenic Living

Toa Payoh Ridge is one of the most anticipated projects in recent BTO launches, offering a rare opportunity to own a flat in a centrally located, mature estate.

Positioned along Toa Payoh Rise and just minutes from Caldecott and Braddell MRT stations, it combines city-fringe connectivity with a tranquil, nature-inspired living environment — a strong draw for families and professionals alike.

What’s Special About Toa Payoh Ridge’s Location?

Located within walking distance to Caldecott MRT (Circle Line) and Braddell MRT (North-South Line), Toa Payoh Ridge offers excellent access to the city while being surrounded by greenery and community parks. 

The estate is also close to reputable schools like CHIJ Primary (Toa Payoh) and Pei Chun Public School, making it a practical choice for families.

Unlike newer estates, Toa Payoh BTO projects benefit from established amenities — hawker centres, community clubs, healthcare facilities, and direct access to the Pan Island Expressway (PIE). Its centrality places residents within 15 minutes of Orchard and the CBD, making commuting highly efficient.

When Will It Be Ready and How Many Units Are Available?

Toa Payoh Ridge, launched in February 2020, consists of 920 units across four blocks, offering a mix of 2-room Flexi, 3-room, and 4-room flats. According to HDB updates, its TOP (Temporary Occupation Permit) is projected for Q1–Q2 2025, making it ideal for buyers looking for a move-in ready home within the next year.

This completion timeline is particularly attractive for those who do not want to wait 5–6 years, which is typical of newer BTO launches like Kim Keat Heights or Ghim Moh Natura.

Is This Project a Good Fit for Young Couples or Families?

Yes — especially for buyers who value location, school proximity, and reduced waiting time. Young couples can benefit from the shorter TOP timeline, while families will appreciate the spacious 4-room layouts and proximity to top schools and childcare centres.

Being in a mature estate like Toa Payoh also means your flat is surrounded by everyday essentials — from wet markets and supermarkets to clinics and neighbourhood eateries. And with 2-room Flexi BTO prices starting from around $90,000, even singles and seniors looking to right-size can find accessible housing here. 

Need help budgeting for your flat? Start with our home loan guide to understand your financing options, use the mortgage loan calculator to estimate repayments, or compare packages from UOB and OCBC tailored to BTO buyers.

Kim Keat Ripples: Serene Design Meets Urban Convenience

Kim Keat Ripples is one of the most distinctive BTO developments in Toa Payoh, blending nature-inspired architecture with modern, eco-friendly living. With its ripple-themed design, rooftop greenery, and community-focused layout, this project stands out for buyers seeking both aesthetics and accessibility. Launched during the February 2020 BTO exercise, it remains one of the most searched BTOs in Singapore due to its strong location and near-ready completion.

What Makes Kim Keat Ripples Unique?

What sets Kim Keat Ripples apart is its thoughtfully designed landscape, which mimics the flow of water — a nod to nearby waterways and the project’s fengshui-influenced layout. This calming design is more than just visual; it promotes natural airflow, integrated greenery, and enhanced wellness for residents.

How Well-Connected Is It to MRT Stations and Schools?

Kim Keat Ripples is located along Kim Keat Avenue in Toa Payoh, with convenient access to MRT stations via nearby bus services. While not directly within walking distance, residents can reach Braddell MRT (North-South Line) or Caldecott MRT (Circle and Thomson-East Coast Lines) in under 10 minutes by bus, offering smooth connectivity across central Singapore.This dual-line access provides quick routes to the city centre, Bishan, Novena, and the rest of Singapore.

Families will also benefit from its proximity to reputable schools like:

• Pei Chun Public School
  
• CHIJ Primary (Toa Payoh)
  
• Guangyang Secondary School
  

Bus services along Lorong 5 and Kim Keat Avenue further enhance last-mile connectivity.

Who Should Consider Kim Keat Ripples?

If you’re looking for a shorter wait time, eco-conscious features, and a central Toa Payoh location, Kim Keat Ripples is a strong contender. With its estimated TOP in Q2 2024, it’s one of the fastest-to-move-in projects among all recent BTO launches.

• Young couples can enjoy early occupancy and convenient commutes.
  
• Elderly applicants or singles may find the 2-room Flexi units ideal for accessibility and affordability.
  
• Families looking for a balanced lifestyle in a mature estate will appreciate the schools, greenery, and amenities.
  

Kim Keat Ripples combines design, practicality, and location — making it one of the most underrated yet valuable BTO projects in Toa Payoh today.

Kim Keat Heights: Heritage-Inspired Modern Living

Kim Keat Heights is a standout BTO project launched in May 2022, offering a thoughtful blend of heritage design and modern amenities. Located in the heart of Toa Payoh, it reflects the estate’s rich history while addressing the evolving needs of today’s homeowners. With only 385 units and an estimated TOP in Q3 2027, it’s one of the more exclusive and future-ready options among recent Toa Payoh BTO launches.

What Sets Kim Keat Heights Apart from Other Toa Payoh BTOs?

Inspired by the iconic dragon playground, the project features heritage-themed motifs and vibrant colours. It includes two residential blocks with a sky garden, integrated Community Club, and rooftop greenery, offering both charm and function.

What’s Nearby in Terms of MRT Access and Education?

Kim Keat Heights sits between Lorong 6 and Lorong 7 Toa Payoh, putting residents within walking distance to Braddell MRT — part of the North-South Line. For drivers, access to PIE and CTE provides seamless travel across Singapore.

Top schools within close range include:

• Pei Chun Public School
  
• CHIJ Secondary (Toa Payoh)
  
• Beatty Secondary School
  

Daily essentials are also easily accessible via nearby amenities like Toa Payoh Hub, HDB Hub, and Lian Shan Shuang Lin Monastery Park.

Is Kim Keat Heights Better for Families or Long-Term Planners?

With its Q3 2027 completion, Kim Keat Heights is ideal for homebuyers planning several years ahead — such as 

• Families benefiting from proximity to top schools, large 3- and 4-room flat options, and family-friendly recreational features.
  
• Long-term planners will appreciate the mature estate perks combined with newer infrastructure and design.
  
• Heritage lovers who value local identity and architectural flair will also find this project uniquely appealing.

With its later TOP date, this project suits young couples, families, and those planning ahead. It offers a balance of modern amenities, heritage design, and the lifestyle benefits of a mature estate.

I personally love how Kim Keat Heights honours Toa Payoh’s heritage — the dragon playground motif is a nostalgic nod, especially for those who grew up in the area and want to feel connected to their roots. If you’re someone who values thoughtful design with a sense of identity, and you’re planning for the long term, this project is definitely worth shortlisting. It’s ideal for families or young couples who want a modern home that still carries the charm of old Toa Payoh.

Ghim Moh Natura: Wellness, Connectivity & the PLH Advantage

Ghim Moh Natura, launched in November 2022, is a unique BTO development in the Health District @ Queenstown. With 991 units and a projected TOP in Q1 2028, it’s part of the Prime Location Public Housing (PLH) model, offering long-term value in a central-west estate near key amenities and green spaces.

What Is the Health District @ Queenstown?

The Health District @ Queenstown is a government initiative that promotes healthy ageing through urban planning. Ghim Moh Natura is designed around this vision — with fitness corners, rooftop gardens, and direct access to the Rail Corridor, supporting physical and mental well-being.

How Does the PLH Model Affect Price and Resale Conditions?

As a PLH flat, Ghim Moh Natura comes with:

• A 10-year Minimum Occupation Period (MOP)
  
• Subsidy recovery upon resale
  
• Restrictions on renting out the entire unit

Prices start from:

• $206,000 for 2-room Flexi flats
  
• $516,000 for 4-room flats

While upfront prices are higher than standard BTOs, buyers gain long-term advantages in location, community, and value retention — especially with nearby amenities like:

• Buona Vista MRT (6 min walk)
  
• Fairfield Methodist School
  
• Ghim Moh Market & Food Centre

Why Ghim Moh Natura Appeals to Long-Term Thinkers

This project is ideal for those who value connectivity, wellness, and future appreciation. Young families and professionals who are willing to wait for a 2028 TOP benefit from the estate’s central location, strong rental potential, and thoughtfully designed living environment within Queenstown’s heritage-rich neighbourhood.

2-Room Flexi BTO Prices in 2025: What Can You Afford?

For many Singaporeans, 2-room Flexi flats are the most affordable way to own a home — especially in well-connected mature estates like Toa Payoh and Ghim Moh. These flats are designed with flexibility in lease length and layout, catering to both seniors and first-time buyers.

How Much Are 2-Room Flexi Flats in Toa Payoh and Ghim Moh?

Prices for 2-room Flexi flats in recent BTO launches vary depending on the estate and project type:

• Kim Keat Ripples: From $90,000
  
• Toa Payoh Ridge: From $90,000
  
• Kim Keat Heights: From $162,000
  
• Ghim Moh Natura (PLH model): From $206,000 to $314,000

While Ghim Moh Natura sits at the higher end due to its PLH classification, the starting prices in Toa Payoh remain accessible — especially for singles and elderly applicants.

What Factors Influence the Price Range?

Several key variables influence the pricing of 2-room Flexi flats:

Location plays a major role — flats in mature estates like Toa Payoh and Queenstown tend to cost more due to established transport, schools, and amenities.

Project type is another factor. Flats under the Prime Location Public Housing (PLH) model, such as Ghim Moh Natura, come with more subsidies but also stricter resale rules and a longer Minimum Occupation Period (MOP).

Additional price drivers include:

• Flat size: Type 1 (36–38 sqm) vs Type 2 (45 sqm)
  
• Floor level and view orientation
  
• Proximity to MRT stations and key facilities

By understanding these factors, buyers can better assess what they’re paying for — and whether it aligns with their needs.

Is a 2-Room Flexi Flat Right for Seniors, Singles, or Couples?

Yes — and here’s why.

Elderly buyers can right-size comfortably, choosing shorter leases and flats near amenities and healthcare. Singles aged 35 and above gain access to a flat type that’s budget-friendly and well-located, especially in Toa Payoh BTO projects like Kim Keat Ripples.

Young couples with tighter budgets may also consider 2-room Flexi units in mature estates, where daily conveniences and MRT access help offset smaller living space.

If you’re looking for an affordable home with shorter wait times, prime location, or health-focused estate planning (like in Ghim Moh Natura), a 2-room Flexi flat could be an ideal fit.

BTO Project Comparison: Price, Location & Completion Dates

With four high-profile BTO projects launched across Toa Payoh and Ghim Moh, it can be tough to decide which suits your lifestyle, timeline, and budget. Whether you’re drawn to Kim Keat Ripples’ fast TOP, Toa Payoh Ridge’s central location, or the wellness-driven appeal of Ghim Moh Natura, understanding how they stack up side by side is essential.

Quick Comparison Table of All Four Projects

Project	Units	TOP (Est.)	Nearest MRT(s)	Starting Price (2-Room Flexi)	Model Type
Kim Keat Ripples	708	Q 2024	Braddell, Caldecott	From $90,000	Standard
Toa Payoh Ridge	920	Q1-Q2 2025	Braddell, Caldecott	From $90,000	Standard
Kim Keat Heights	385	Q3 2027	Braddell	From $162,000	Standard
Ghim Moa Natura	991	Q1 2028	Buona Vista	$206,000 – $314,000	PLH

This table helps simplify your decision-making — especially if you’re comparing 2-room Flexi BTO prices, MRT proximity, and project availability timelines.

Which Project Has the Best Value Based on Your Priorities?

“Best value” depends on what matters most to you:

• If you’re looking for the soonest possible move-in, Kim Keat Ripples is the top choice with a 2024 completion.
  
• For centrality and MRT access, both Toa Payoh Ridge and Kim Keat Heights offer excellent options in a mature estate.
  
• If you’re planning long-term and want future resale value in a premium district, Ghim Moh Natura under the PLH model may be worth the added restrictions.
  

Each project has unique strengths. Your stage of life, family needs, and investment horizon will guide which one offers the most long-term value.

Should You Prioritize MRT Access, Price, or Timeline?

Here’s how you might weigh those trade-offs:

• MRT Access:
  
  • All projects are within 5–10 mins from a station.
    
  • Ghim Moh Natura stands out with dual-line access at Buona Vista MRT.
    
• Price:
  
  • The most affordable 2-room Flexi flats are at Kim Keat Ripples and Toa Payoh Ridge.
    
  • Ghim Moh Natura is the most expensive but comes with PLH perks.
    
• Timeline:
  
  • If early key collection is important, Kim Keat Ripples (Q2 2024) leads.
    
  • Planning ahead? Kim Keat Heights and Ghim Moh Natura are ideal for future stability.
    

Knowing what you value most — whether it’s price, accessibility, or future-proof planning — is key to making the right BTO decision.

Final Thoughts: Which 2025 BTO Project Should You Choose?

With four diverse projects — Toa Payoh Ridge, Kim Keat Ripples, Kim Keat Heights, and Ghim Moh Natura — the 2025 BTO launch offers something for every type of buyer. From early key collection to wellness-centric living in the west, your ideal BTO comes down to your timeline, lifestyle, and future plans.

 Best BTOs for Young Families and Couples

If you’re starting a family or planning for long-term stability, these projects are worth considering:

• Toa Payoh Ridge: Great for those who value centrality, schools, and a relatively fast TOP (Q1–Q2 2025).
  
• Kim Keat Heights: Offers future-ready living with heritage design, sky gardens, and community features.
  
• Ghim Moh Natura: While priced higher, it offers long-term value and strong wellness infrastructure under the PLH model.
  

All three provide access to top schools, MRT stations, and family-friendly amenities — especially in well-established mature estates like Toa Payoh and Queenstown.

Ideal Projects for Retirees and Singles

For singles or seniors looking to right-size or buy their first home:

• Kim Keat Ripples offers the most affordable 2-room Flexi flats (from $90,000) and the earliest completion (Q2 2024).
  
• Ghim Moh Natura features wellness elements and connectivity, ideal for ageing in place.
  
• Toa Payoh Ridge also offers Flexi units in a walkable, amenity-rich neighbourhood.
  

These options cater to quieter lifestyles while ensuring access to healthcare, transport, and community facilities.

What to Expect from Future Launches in Mature Estates

With rising demand for flats in central locations, we can expect future BTO launches in mature estates like Toa Payoh, Queenstown, and Bukit Merah to be increasingly released under the PLH model — with longer MOPs, higher subsidies, and tighter resale rules.

For buyers who prefer flexibility, the current standard BTOs like Kim Keat Ripples and Toa Payoh Ridge may represent the last few opportunities to own in prime estates with fewer restrictions.

Staying informed on completion timelines, 2-room Flexi BTO prices, and MRT accessibility will remain key when choosing the right home in upcoming launches.