Whole flat example
Fixed example: the same 90 square metre HDB 4-room flat in a 30-year-old block, with every room, the floors, both bathroom finishes, wiring and pipes replaced and no structural change. Selected works allowance S$74,000 to S$131,500 including modelled GST and reserve (as of 2026-10-12). Provisional timing: 8 to 14 weeks on site, 16 to 26 weeks overall. Structural work and concealed defects stay outside it.
The fixed choices
Illustrative assumptions, model dated 12 October 2026. These choices are fixed in this example; the interactive planner starts with the kitchen-first plan.
- Home
- HDB 4-room resale, 90 m², 3 bedrooms, 2 bathrooms
- living
- replace
- kitchen
- replace
- bathroom 1
- replace
- bathroom 2
- replace
- bedroom 1
- replace
- bedroom 2
- replace
- bedroom 3
- replace
- utility
- replace
- Floors outside the bathrooms
- replace
- bathroom 1 finishes
- replace
- bathroom 2 finishes
- replace
- Whole-home electrical
- replace
- Whole-home plumbing
- replace
- Building age
- 30 years
- Structural intention
- no
Selected works allowance
S$74,000–131,500
Includes modelled 9% GST and a 10 to 15% reserve. Not a whole-project total or a quotation.
- Design, coordination and protection
- S$4,000–6,000
- living
- S$5,000–9,000
- kitchen
- S$12,000–19,000
- kitchen fixtures
- S$600–1,200
- bathroom 1
- S$2,000–3,500
- bathroom 1 fixtures
- S$1,000–1,800
- bathroom 2
- S$2,000–3,500
- bathroom 2 fixtures
- S$1,000–1,800
- bedroom 1
- S$3,500–6,000
- bedroom 2
- S$3,500–6,000
- bedroom 3
- S$3,500–6,000
- utility
- S$2,500–4,500
- Floors outside the bathrooms
- S$7,380–11,480
- bathroom 1 finishes
- S$3,000–5,000
- bathroom 2 finishes
- S$3,000–5,000
- Haulage and disposal
- S$1,000–2,000
- Whole-home electrical
- S$5,000–9,000
- Whole-home plumbing
- S$2,000–4,000
- Before GST and reserve
- S$61,980–104,780
- GST on selected work
- S$5,578–9,430
- Reserve including GST
- S$6,756–17,132
Outside this amount
Structural changes, concealed defects, appliances, air-conditioning, windows, loose furniture, accommodation and refundable management deposits remain unpriced. Inspection, approvals and an itemised written scope come next.
Order and timing
Provisional site work 8 to 14 weeks; whole journey 16 to 26 weeks. Actual scope and permit conditions govern. Approved work in an existing HDB block must fit its one-calendar-month permit window.