You dont have the whole picture, rumors are that the sim is 70% of your score in HKG, just hangar talk but why take a chance, borrow the G note as you are seeking a job that will allow you to earn hundreds of thousands more over your career. IMHO.
I rented 2 sims and got the job, of the guys who went to HKG with my group nobody got the job who didnt rent a sim, these are guys line flying jets and they didnt make it. Something to think about.
Cheers
CX-2-B