Frankly, I find 28k a month a bit on the low end for teachers and professors, unless you're just beginning your career. Beacon Hill, The Peak and other high elevation areas have the best air quality in HK. Beacon Hill, in particular, is a great location at a fantastic price -- granted, very few flats are available as most are taken very quickly. Some professors are renting out 150k per month and others at only 50k -- it can truly vary. Of course, if you don't really care about the quality of your home, then no issue would arise. It would be akin to finding any hole to nest in. It's all a matter of priorities -- would I sacrifice my living quality for something second-rate? Do I really want to live in a tiny, old dirty box, or invest a bit more for a warm, comfortable, clean home for myself and my family?