Do you know what the "forgivable loan" means to your net salary, per month, after tax, over the six years?
HKD2,700 per month.
That's not even ONE "subload" business class return ticket to ANY North American or European destination. Think you can suck it and see with a "commute" home? Think again. You can't afford the tickets and you can't afford to "no show" for work.
Guys, I don't want to p1ss on your parade, but you REALLY don't know how expensive this place is and how poor this offer really is.
Do what you want to do (of course) but don't expect a sympathetic ear when this all comes home to roost.