Sounds easier to get ahead finacially in HK then in the US or OZ where airlines dont pay for your mortage, rent etc. I do understand that housing is beacuse of being an expat but having worked in Asia now back home in a westernised society, its bluddy expensive!! Interest rates for buying property has skyrocketted, at least if your careful and smart with your housing allowance you can do well out off HK and come back in a few years with either CX or someone else a wealthier hopefully wiser person