Since u don't qualify for govt grant, u can consider going pte which is faster.
I guess in a way will be slightly more ex than govt hosp.
Personally I'm with Roland Chieng. Fresh cycle cost about 15k (depends on your stimulation dosage, if need higher dose may be up to 20k). As he doesn't do fresh transfer, it will naturally be frozen cycle. It cost another 5k (exclude support meds). To freeze the embryos its about $900++++ (very closed to 1k) for a year. If u have alot of embryos, can put like 3 years which is cheaper (think 2.1k for 3 years?)
If you are seeing him for the 1st time, there are blood tests, ultrasound scans, semen test which can amount to few hundred dollars.
Personally I've no fate with SF loh, his q is too long.. I cannot take it. Haha.
Have not been with Tan HH so no comments about him.