One possibility of OP’s doubt may be the result of the income levels and lifestyles of the folk that he has met and hanged out with since his arrival. After all he’s only been to HK for two weeks and may not have awareness of the full scale of various expat income levels here or has learned how to live within one’s means, and that may warrant some benefit of doubt for his question. I know a few expat wives who hang out with much wealthier expat tai tais complaining about not having enough spending money when going out with their “circle of friendsâ€. If the OP hangs out with people getting significantly higher income/benefits with a much greater spending to match than what his salary can afford, it is understandable of his doubt that 91K might be inadequate/insufficient. In that case different advice would be appropriate and needed.