Flex , so true. I don’t have the desire to include all costs , as I would no doubt curl up & 😢
I can think of school debentures for starters that need to be covered from ones salary. Min hk50000 per kid . Max .. well the skies the limit, just look at Harrow or HKIS. Harrow, 4 million $hk . Please, check out their websites.
I remember not paying extra for health insurance. We were covered by an excellent scheme. Now guys commonly fork out $50000 hk for family cover. And if you don’t, there are plenty of sorry souls who have gotten sick and have had to revert to crown funding for their treatment. Not good.
But hey, the standard contract guys are all mainly young fit millenials and never suffer sickness or have kids.
Good luck .