If your husband works in Lo Wu forget the ferry/buses. I would go for the train as the train is the only way to get to Lo Wu without going through another entry port to China and driving around to it within Shenzhen. (Which =time) Best to live on east rail tracks, live in the NT like Sha Tin or Tai Po. That way equal commute for both of you, and rent is cheaper.
Where in Kowloon are you working?