One possibility of OPâ€™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 heâ€™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 oneâ€™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 â€œcircle 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.