For gym, internet, etc you can often take over someone else's contract partway through. there are expat websites with them for "sale". I took over a gym membership that had 12 months left to run. HK is a lot of fun but you definitely need the money to be able to make the most of it. If you want to get an idea of the place (and the prices), go to some bars along the escalator or Wyndham Street in Mid Levels which are popular with expats.