A 4-room BTO flat remains the most popular choice for Singaporean families. It’s practical, spacious enough for young couples or growing families, and easier to design compared to larger units.
But when it comes to renovation, costs can range widely from S$27,000 to over S$100,000 in 2025. Why such a big gap? The answer lies in design style, material choice, and scope of works.
At HDBGROUPRENO.SG PTE. LTD, we’ve helped hundreds of homeowners transform their 4-room BTO flats into dream homes — from minimalist budgets to luxury showcases.
This guide breaks down:
- ✅ Average 4-room BTO renovation costs in 2025
- ✅ Case studies by budget level (basic, mid-range, premium)
- ✅ Popular design styles for 4-room BTOs
- ✅ Renovation timeline & process
- ✅ Financing options & smart savings tips
- ✅ Real homeowner scenarios
Average 4-Room BTO Renovation Costs in 2025
| Budget Level | Cost Range | What’s Included |
|---|---|---|
| Basic | S$27,000 – S$40,000 | Essential carpentry, painting, lighting, basic flooring |
| Mid-Range | S$45,000 – S$70,000 | Full kitchen cabinets, wardrobes, vinyl/tile flooring, electrical upgrades |
| Premium | S$75,000 – S$120,000 | Luxury finishes, marble/quartz tops, smart home, designer lighting, customised carpentry |
💡 Pro Tip: With Group Reno Packages from HDBGROUPRENO.SG, you can save 10–20% on carpentry by sharing bulk production with neighbours.
Case Studies: 4-Room BTO Renovation
Case Study 1: Basic Budget (S$30,000) – Young Couple in Tengah
- Works:
- 20ft kitchen cabinets with laminate top
- 2 wardrobes (sliding doors)
- Painting whole unit
- Basic lighting & ceiling fans
- Style: Minimalist Scandinavian
- Timeline: 9 weeks
- Result: Clean, bright, practical home
Case Study 2: Mid-Range (S$55,000) – Family in Tampines GreenEmerald
- Works:
- Full kitchen with quartz countertop
- 3 wardrobes with casement doors
- Vinyl flooring for living & bedrooms
- False ceiling & cove lighting
- Bathroom vanity cabinets
- Style: Japandi (Japanese + Scandinavian)
- Timeline: 11 weeks
- Result: Functional storage + warm wood tones
Case Study 3: Premium (S$95,000) – Executive Couple in Toa Payoh BTO
- Works:
- Luxury marble kitchen island with quartz top
- Walk-in wardrobe with glass doors
- Smart lighting system (voice control)
- Feature walls (fluted panel & marble laminate)
- Designer bathroom with rain shower
- Style: Modern Luxury
- Timeline: 14 weeks
- Result: Hotel-style living at home
Popular 4-Room BTO Design Styles (2025)
- Scandinavian Minimalist: Light wood, neutral tones, airy spaces
- Japandi Fusion: Zen-inspired, warm textures, natural materials
- Industrial Chic: Cement screed, metal accents, exposed pipes
- Modern Luxury: Marble finishes, statement lights, bold contrasts
- Eco-Friendly Homes: E0 boards, low-VOC paints, solar-ready fittings
- Smart Homes: Automated blinds, IoT appliances, app-controlled aircon
Renovation Timeline for 4-Room BTO
- Week 1–2: Site measurement, 3D design, HDB approval
- Week 3–4: Hacking & masonry (if needed)
- Week 5–6: Electrical wiring, plumbing, false ceiling
- Week 7–9: Carpentry fabrication (wardrobes, cabinets)
- Week 10–11: Installation, painting, lighting
- Week 12: Final inspection & handover
🚀 Group Reno = Faster production since multiple flats share factory slots.
Renovation Loans & Financing
- HDB Renovation Loan: Up to S$30,000, interest ~3.5–4.5%
- Personal Loan: Higher borrowing limit, flexible terms
- Group Reno Packages (HDBGROUPRENO.SG): Lower upfront deposit, milestone payments, group discounts
Smart Renovation Tips for 4-Room BTO Owners
- ✅ Engage a contractor 3–6 months before key collection
- ✅ Always budget 10–15% extra for hidden costs
- ✅ Focus on kitchen + wardrobes first (essentials)
- ✅ Don’t over-customise if planning to sell in 5–10 years
- ✅ Use Group Renovation to enjoy bulk savings
Frequently Asked Questions (FAQ)
Q1: How much should I budget for a 4-room BTO in 2025?
A: Between S$45,000 – S$65,000 for mid-range works.
Q2: Why do some 4-room BTOs cost over S$100,000 to renovate?
A: High-end materials, smart homes, luxury carpentry, and designer finishes.
Q3: How long does a 4-room BTO renovation take?
A: Typically 10–12 weeks.
Q4: Can I hack walls in a 4-room BTO?
A: Only non-structural walls with HDB approval.
Q5: How can HDBGROUPRENO.SG help me save?
A: Through bulk carpentry production, shared logistics, and group discounts, saving 10–20%.
Why Choose HDBGROUPRENO.SG PTE. LTD
✅ Group-Buy Savings: Save up to 20% vs individual quotes
✅ Custom Carpentry: Kitchen cabinets, wardrobes, study desks, feature walls
✅ Free 3D Virtual Tours: See before you commit
✅ 30+ Years Expertise: Proven track record in BTO & resale flats
✅ Transparent Pricing: Milestone-based, no hidden costs
Your 4-room BTO deserves more than just the basics.
👉 View Our Ongoing Group Reno Projects
👉 Get a Free 3D Virtual Tour + Quotation
Let HDBGROUPRENO.SG PTE. LTD transform your flat into a stylish, functional, and affordable home.
