i am not sure if you misunderstood or - ummm i mean - you CAN actually save in hong kong! =)
for transportation- if you live in DB, or ANY of the outlying islands, it will cost you a fortune. if you live in the NT, it will cost a lot too. the figure i gave you was for 2 people. if you live along the MTR line closer to where you work, then you can probably save A LOT for transportation. no i dont use taxi all the time.
5K = for people living in DB, hong lok yuen, Stanley, etc....
2-3K = for people living a lot closer to work.
my parents live in fanling now (in the boonies!) they spend around $40/day/pp = $1200/pp a month + occassional taxi = $2000 per person. x 2 = $4000
does your husband have a degree? speak fluent english? he can probably find a part-time job teaching english/french (if he speaks it) easily. (for the time being). most of the places i taught paid me $200- $350 an hour.