Try Repulse Bay (I think there are some posts about the 101 Repulse Bay apartments on here). You should be able to get a nice place there for around 60k and it is within walking distance of a beach. There are a few shops, places to eat and a grocery store close by and the area is nice and green. Its a little ways from Central (30 minute-ish), but not a bad commute, and there should be regular shuttles/ busses and of course cabs. You could also look further south (Stanley, Tai Tam, Shek'O) but the commute gets a bit longer. Stanley is a nice little community with a beach townish feel and some nice low rise condo type places, some of which should be in your price range. Good luck.