Are you saying it's isolated because it doesn't have a boat or helicopter service?
With his budget of 20-25K, and wanting a nice place, 3brms etc, I think PI is the best option. Where else is really realistic and nice, for that price on HK island?
Looks like new mortgage rates are going up sharply despite your (false) assertion that low rates in the US would ensure low rates for years here. As I posted multiple times, the switch into RMB is leaving many banks underfunded with HKD and they are having to raise rates to stay profitable. It takes time to bite but bite it will.