Transforming Your New BTO HDB Flat in Singapore: Interior Design Tips for First-Time Homeowners Collecting your BTO keys is one of the most expensive decisions you will make in your 20s or 30s. The flat costs you nothing extra on day one — but the renovation that follows will. Singapore homeowners spend an average of SGD 40,000 to SGD 80,000 on their first BTO renovation, and a significant portion of that is spent correcting decisions made in the first two weeks after key col