Boys and girls,
Take note of JY9024's post, it might seem a tad hash but he has hit the nail on the head. Sadly this is the new world we live in.
21K would be about the minimum for a reasonable pad for a couple - it would not be glamorous - plenty of on-line real estate agents to check - use Tung Chung, Discovery Bay and mid-levels or Kennedy town as a start.
Cheers Oz2