A BTO renovation package in Singapore bundles flooring, false ceiling, kitchen cabinetry, and basic electrical works into one fixed-price deal. In 2026, a 4-room BTO package typically costs $28,000 to $45,000, while a 5-room package runs $35,000 to $55,000. Packages save you time and simplify budgeting, but they trade away customisation — so compare inclusions carefully before you sign.

This guide is for informational purposes. Prices and regulations may change — always verify with HDB, BCA, or your interior designer.

1. What Is a BTO Renovation Package?

A BTO (Build-To-Order) renovation package is a pre-bundled set of renovation works sold at a fixed price. Most packages cover flooring, a false ceiling, kitchen cabinets, wardrobe carcasses, basic lighting, and painting. Contractors design these packages around the standard layouts of new HDB flats, so the scope is predictable.

Design: Ovon Design

You'll usually see packages tiered by flat type — 2-room Flexi, 3-room, 4-room, 5-room, and 3Gen. Each tier has a fixed price band, though the final cost still depends on your material choices and any add-ons you request.

Packages exist because new BTO flats share similar bare structures. Since you're not gutting an existing home, contractors can standardise the scope and pass the savings on to you. This makes packages popular with first-time flat owners who want a fast, predictable renovation.

One term worth knowing early: the Defects Liability Period (DLP) — the window after handover during which your contractor must fix any defects for free. Confirm the DLP length before signing any package contract.

2. BTO Renovation Package Cost by Flat Size (2026)

Package prices scale with flat size and the number of rooms needing built-in carpentry. Here's what you can expect across common flat types in 2026.

Flat Type Package Price Range (SGD) Typical Scope

2-Room Flexi $18,000 – $28,000 Flooring, kitchen cabinets, basic wardrobe, painting

3-Room $22,000 – $35,000 Flooring, false ceiling (partial), kitchen, 2 wardrobes

4-Room $28,000 – $45,000 Flooring, false ceiling, kitchen, 3 wardrobes, basic lighting

5-Room $35,000 – $55,000 Full flooring, false ceiling, kitchen, 4 wardrobes, feature areas

3Gen $38,000 – $58,000 Full flooring, false ceiling, kitchen, 4-5 wardrobes, extra bathroom fittings

Source: Aggregated quotes from Renonation-listed interior design firms, Q2 2026.

These ranges assume mid-range materials. Choosing engineered timber flooring over vinyl, or solid-surface countertops over laminate, can push you toward the top of each range or beyond it. Always ask your contractor for a material breakdown, not just a lump sum.

3. What's Included vs What's Not

The word "package" suggests everything is covered, but most packages have clear boundaries. Knowing what falls outside the package prevents surprise costs later.

Design: Unizign Studio

Usually Included Usually Excluded

Vinyl or laminate flooring Marble or engineered timber upgrades

False ceiling with cove lighting Complex ceiling designs or bulkheads

Kitchen cabinets (laminate finish) Solid-surface or quartz countertops

Wardrobe carcasses Wardrobe interior fittings (drawers, pull-outs)

Basic lighting points Feature lighting, smart home wiring

Wall painting (2 coats) Wallpaper or feature walls

Standard electrical points Rewiring, additional power points

Toilet vanity and fittings Bathtub installation, heated flooring

Source: Compiled from HDB renovation package terms across Renonation partner firms, 2026.

Aircon installation, plumbing relocation, and structural hacking are almost never included in a base package. Confirm these separately, since they can add $3,000 to $8,000 depending on scope.

4. HDB Renovation Guidelines You Must Follow

Every BTO renovation, package or custom, must comply with HDB renovation guidelines. Your contractor should hold a valid HDB Registered Renovation Contractor licence — check this before signing anything.

Design: Ovon Design

You'll need to submit a renovation permit application through your contractor for any hacking, electrical rewiring, or plumbing work. HDB typically processes these within a few working days, but plan your timeline around it.

Some restrictions apply regardless of your package tier. You cannot hack load-bearing walls, and any changes to common corridors or external facades need separate approval. Wet works like bathroom re-tiling are also restricted to specific hours to limit disturbance to neighbours.

If you're taking an HDB renovation loan rather than a bank loan, your contractor must be on HDB's approved list. This affects which firms you can shortlist, so confirm loan eligibility early if financing matters to you.

5. Package vs Custom Renovation: Which Should You Choose?

Packages and custom renovations serve different priorities. Here's how they compare on the factors that matter most to BTO owners.

Factor BTO Package Custom Renovation

Cost predictability High — fixed price upfront Lower — costs can shift with design changes

Timeline Faster, typically 6–8 weeks Longer, often 10–14 weeks

Customisation Limited to package tiers Full design freedom

Best for First-time owners, tight timelines Owners with specific design visions

Typical savings vs custom 15%–25% lower —

A package suits you if you want to move in quickly and don't have strong opinions on layout. Custom renovation suits you if you're set on a particular style — say, a wabi-sabi or industrial look — that a standard package can't replicate.

6. How to Compare BTO Renovation Packages

Comparing packages by price alone leads to disappointment. Follow this checklist when reviewing quotes.

Request an itemised breakdown for every package, not just a total figure. This lets you see exactly what materials and brands are used for flooring, cabinetry, and fittings.

Design: Unizign Studio

Ask each firm to clarify their DLP terms in writing. A shorter DLP, or one with vague coverage, is a red flag worth raising before you commit.

Check whether the quoted price includes GST and delivery charges. Some firms quote before GST, which inflates your final bill by 9%.

Verify the contractor's HDB licence and CaseTrust accreditation, if available. This adds a layer of protection if disputes arise during the renovation.

Finally, ask about the payment schedule. Reputable firms tie payments to project milestones rather than requesting large upfront sums.

Frequently Asked Questions

What is included in a BTO renovation package in Singapore?

A typical BTO renovation package Singapore homeowners buy includes flooring, a false ceiling, kitchen cabinets, wardrobe carcasses, basic lighting, and wall painting. Exclusions like rewiring, feature walls, and premium materials usually cost extra.

How much does a 4-room BTO renovation package cost in 2026?

A 4-room BTO renovation package typically costs $28,000 to $45,000 in 2026. The final price depends on your material choices and any add-ons beyond the standard scope.

Can I customise a BTO renovation package?

Yes, most contractors allow add-ons on top of a base package, such as upgraded flooring or extra carpentry. Expect to pay a premium for each customisation beyond the standard tier.

Do I need HDB permits for a BTO renovation package?

Yes, any hacking, rewiring, or plumbing work requires an HDB renovation permit, which your contractor submits on your behalf. Painting and furniture installation typically don't require separate approval.

How long does a BTO renovation package take?

Most BTO renovation packages take 6 to 8 weeks from permit approval to handover. Custom add-ons or supply delays can extend this timeline by 2 to 4 weeks.

Is a renovation package cheaper than hiring separate contractors?

Packages are typically 15% to 25% cheaper than hiring separate contractors for flooring, carpentry, and electrical work individually. You trade some customisation for this cost efficiency.