Look if you buy a place today, you can pay off with you housing in 10yrs.. then whats the big deal? In 10 yrs.. you will get most of the money the COMPANY put in.. back in your pocket.
If you need 20-30 to pay it off.. you're over buying.
Anyone can put up with HKG for ten years.. some may even like it.
Buy a house, have them pay for it, and then in 10 yrs decide if you want to play the market..until then, well you have to live somewhere don't you..