The Tern Verge X20 is sold at a ridiculous RM11,600 and the Tern Verge X10 is RM7,300  The lowest rung for Tern Verge is the N8 selling at RM3,200, same frame.

Let's say,  Buy the Tern Verge N8, take off the wheelset, put in a Lite Pro rims (make sure it can take 11 speed) on it for another RM1,500, take off all groupset, get the Shimano 105/11 speed for RM1800 or the Shimano Ultegra for RM2,600.  So now your purchase is RM3,200 + RM1,500 + RM2,600  = RM7,300.

Factor in Kimbell Jaya's labour cost to install , another RM200 and FD adapter, another RM100, Aiyah!  Let's say RM8,000  for a Tern Verge X22.  So, you sell off the Ultegra STI shifters for RM700 and the rims and grouspset for another RM500, and the whole setup cost RM6,800 , give and take RM300. If you use the Shimano 105 which is already very good, it is around 6K only. In fact, you can change the handlebar, handlebar post, and everything to Lite Pro components and it is still around the price. Don't change the cranks lah, good to have a whole groupset.

The drawback is, you don't get the Tern Verge's top end exciting color and sadly this is the biggest motivation for many to buy. Prestige  but not performance. 

What you wanted is a 30 speed gearing, right? 30 speed is a more .......all rounder, I would say. High enough for faster rides, even pedaling downhill and low gear for tough climbs. But it doesn't come cheap with original fixtures from branded names. As mentioned a Tern with that specs can reach over 10K.

So far, Kimbell Jaya is the only bike shop I see that is willing to do whatever the customer wants provided it is possible. USJ Cycles do not have the expertise or stock the parts to do it and neither is My Bike Shop in Bandar Utama. Together with Kimbell Jaya, these 3 are the biggest retailer of folding bikes in Klang Valley. So, I guess Kimbell Jaya is the best bet so folding bikes and also they give the best price. For moddings, just make sure Jimmy is around. Secondly Kimbell stocks many modding parts and also a lot of Shimano components. This makes it easier.

My advice is, visit Jimmy, talk to him and relay what I said. He knows Wong. Get the model that you like, I mean the shape and design that you like. Then go on from there. I am sure Jimmy have stock of Shimano Tiagra or Sora. I also suggest that you go for 2 x 11 or 2 x 10 speed which is the common setup nowadays. 2 speed in front shifts smoother and the rear, 9, 10 or 11 speed is basically the same as more important is the final ratio. All starts at 11 teeth at the rear but the final low gear (the biggest cog) can be 28, 30  or even 32 for all. All 9, 10 or 11 can have the same final ratio. Just that in 9 speed, you miss 2 ratios compared to 11 speed and 10 speed , you miss a ratio somewhere in between.

Also important to note that , 30 speed combinations, there are a lot of overlapping gear ratios, meaning you can find the same ratio using the largest chainring and also the same ratio using the middle chainring. That's why, internal hubs like the Rohloff which has 14 speeds only does cover the whole spectrum of the 30 speed gearings.

That's why, I suggested 2 x 10 speed. Not too expensive and not too bad either. Smoother shifting on the front and also the back if it is Tiagra (technology inherited from Shimano 105). Can come with Tiagra flat bar shifter. 3 x 10 speed are getting obsolete and only lower grade components have it nowadays. They are also heavier. So, eg. if you like the Tern D8, get the Tern. Get the Tiagra 2 x 10 speed and slap on it. Keep the taken off components aside in a box and sell it if you want. Start off with this. Should be about 4K and if you change the wheelset to 451, you can use the Tiagra C-brake calipers as well. Change also to Shimano original brake levers.

Anything higher than Tiagra will incur more cost because anything above that is 11 speed which needs different wheelset and also damn expensive shifters!

HAPPY  RIDING