Because they are not all like that. I lived in the same village apartment for 3 years until I had to return to the UK. That village was very quiet but when searching for accommodation on my return, there was nothing in that particular village suitable for rent.
I think classing them all the same is a little unfair. Not everyone that lives in HK from overseas has the cash to fork out and live in the upper end apartments with swimming pools and maids either.