I would stay, assuming you can upgrade in due time. You certainly won’t be saving $3000usd / month in HK. Your place in HK will likely be smaller and/or lower quality. Schools will really set you back in HK. You will probably lose much of your savings to the debentures just getting them into internationals. Your wife will probably have a hard time replacing her income unless she has skills beyond that of a normal office worker. The culture in HK is not desirable for most, especially without excess income, but some do seem to genuinely enjoy it.