Mate I would go as far as saying that you don't have a chance of surviving in Hong Kong on an S/O's wage with three kids. This is not a serious option for you and I would seriously look at alternatives. Firstly you will not be able to get your kids into anything other than international schools as the esf system is full. Cathay will only cover 75% of tuition for international schools and not cover debentures which will set you back $60000 per child if available and if not then a capital levy which is non refundable of a minimum of $10000 per child per year. With fees running at $85000 per year per child this will equate to approx $20000 per child per year plus the capital levy which means you are out of pocket $30000 per child for the year. This equates to your first 3 months of your wages gone as an S/O. Cost of living for essentials will be approx $15000 per month and this is not for an excessive lifestyle. Unless your wife can work and make a Captains wage the math simply does not add up. Long and short of it. Go elsewhere. Sorry to be the bearer of bad news. Cheers.