Your blank canvas Your BTO arrives in HDB’s "standard" condition. Plastered walls, screeded floors, a bare kitchen shell, and minimal power points. It is liveable in the way that a tent is liveable: technically yes, realistically no. Nothing needs to be demolished, so your renovation cost is almost entirely about building from scratch. That is the good news. The less obvious news is that building everything new in a 4-room flat adds up faster than most people expect. What d