Don't gov't workers in Singapore get a lot of benefits? If I lived in Singapore and was offered a job in HK and my wife would not be able to find work because she works for the gov't which does not translate well to HK employment, and she has asthma, and you have two little kids - no way would I come to HK without some housing allowance and education allowance, unless they made up for it in the salary. In Singapore, you would live in a larger space and good affordable schooling.