Why would an American that's in good health ( assuming ) want to retire in one of the worlds most polluted cities ? Especially when Hawaii is a state of the USA, with a largish Asian population, ie Japanese and Chinese...
I can think of 1000 cities I'd consider first for retirement, than HK.
France would be my first choice, especially on a public health care, and welfare point of view, they look after their old .
I hear that a lot of Australian Pensioners are moving to Bali, that they can live a luxurious lifestyle there, including a domestic helper, and eat properly, with a little left over. A much better proposition, than pensioners eating cat food back in Aus, who live pretty awful wait to die lives.
I can't see a foreign pensioner living in HK very long, financial conserations of living in one of the most expensive cities in the world, unless your idea of happy retirement is eating plain boiled race, and living in a Sham Shui Po Cage....
If you are on a budget and want to live out your twilight years in absolute comfort, BALI, if you are reasonably well off and American, Hawaii, without a second thought. Best lifestyle state in the USA, which is least American he he. Probably why I like it so much lol.
But hey, that's just my opinion, with an enjoyable ( healthy / active ) old age, in mind.....