And just for the sake of clarity, I am not saying a new joiner FO needs to be able to afford a big flat in a prime real estate location in down town Hong Kong.
My point is that, at least for the first 7 years, with the regulations that are in place, a new joiner FO is condemned to paying off someone elses mortgage. Despite easily being able to afford one on his own on a monthly basis.
He is essentially blocked from the market. This is completely unrelated to actual salary paid and as you could read in my post, it goes for all airlines in Hong Kong. That was the issue I was raising.