At the risk of receiving much grief, at least there is a housing allowance. The vast majority of people in Hong Kong that own property earn a lot less than a CX SO and have no housing allowance. I was earning HKD24,000/month and owned a place in Discovery Bay (with a 25 year mortgage), and could live comfortably - though admittedly I had no family to support. Then I embarked on a CPL in S.Africa, selling my apartment to fund it, came back home to HK only to break my back and put me out of flying. Now earning less than I was and no property. Oh bugger.
