Also on education, do your homework on the debentures for each school, and these are paid up front, and in some cases non refundable. You will probably need about $25,000.00 USD in cash ready to go to get your child into a school. (PER CHILD).
ALSO make sure you ask every school how long the wait list is, and ask how many are on the "premium debenture wait list." Yes, as with most things in HK, pay more to jump to the top of the list. Its called bribery and corruption in other countries, we call it 'non refundable debentures'. You will see that term a lot here.