They're right. Cost of housing and schooling in HK is not for the faint of heart.
After 2 years of living hand to mouth to a very low standard as compared to all the crews, the shiny jet will not seem so shiny. The despair will rot you from within.
3000 hours. No ATPL? What on earth have you been doing?
My advice, get your ATPL, buy an A320 or 737NG type rating and go sell youself to one of the Asian LCCs.
You'll be in the RHS, paid crap but cost of living will be low. Keep your head down, go to work, keep smiling and there will be a glimmer of a chance of a command. Eventually.
As distinct from never with CX.