Coffee Mug
Look at the numbers yourself, you are earning 80,000US, the figure you quoted for SO is about HALF of what you are earning now! From the figure you quoted that would be roughly 30,000HK / month
1. There is NO real living in the "burbs".
2. 20,000 if you are lucky with associated travel costs.
3. 8-10000, if you are careful.
4. Add in you education of 10,000 and you are at -10,000 / month.
Do not even think about it unless you are looking to break up your family!
Mortgage, if you can raise the 30% deposit, try your salary + + per month!