If you don't buy a house, you have to rent a better one, and a small apartment of 50 square meters needs more than 10 thousand.
In China (Shanghai), the annual salary is 300,000 RMB, which should be the upper level, but in Hong Kong, the annual salary of 500,000 RMB is just the lower level, because the monthly salary is only over 40,000 RMB! If you have spent more than half of your money on a building, you won't enjoy much!
If you want to return to the domestic (Shanghai) annual salary of 300,000 RMB, the annual salary may be nearly 2.4 million!