Another thing that is worth considering is where you and / or your husband will be working, in order to gauge travel ease to office.
For example, we live in Discovery Bay, which is a quite pleasant ferry ride to Central if you need to be there, but which is a slightly longer commute if you need to be Kowloon side (having said that, we still do it.)
Also, while I take it you don't yet have children, within a 3-5 year timetable you might. And if you end up staying for longer (our "3-5" has turned into 6.5 and counting, and we still say "3-5" from now!), then the availability of good local international kindergartens/schools might become a factor.
Further, do you travel a lot for work by air? DB is an ideal 20min door to door coach ride to CLK, whereas Stanley/Repulse Bay is quite a hike. For us, that's a big factor - proximity to airport.
After that it becomes a cost-beneift analysis: we value peace and a bit of "green space" and outlook, so we chose DB. That puts us half an hour by ferry from Central, but that's close enough in our value equation. Stanley/Repulse Bay are also half an hour from Central. Mid-Levels is in the middle of everything, but green space, not so much. (these are broad personal opinions, but you get the idea) Do get someone to take you to all these places, no matter what their opinions are. When you're trying to settle for a few years, you deserve to know options.
Having just recently been in the rental market again myself, 35k would get you a garden apartment (inclusive of government rates and management fee) in DB; or a large duplex (2100 sq ft) if gardens aren't your thing. We find the return we get on our rental $ is a little more out here: offsets the commute for us. You'll find personal outdoor space generally hard to come by in apartments - if that's a thing for you, make sure you are very clear on your needs with the agents you use. A "balcony" is often a 3 x 3 ft standing space only, if one exists at all.
You can negotiate rates and management fees to be built into your rental (quite standard, called "inclusive") - this can maximise the value of your company allowance. I've known some fortunate people who happily find their housing allowances large enough that they can rent a place they're happy with, inclusive, and still have allowance left over, so also negotiate with the landlord for additional things to be built in to the rent (e.g. in DB, a golf cart for transport as cars aren't allowed, or monthly residents' club fees).
Appliances: we're Australian, so our voltage is more comparable with here, but even given that, we didn't bring any large appliances. You'll find mant decent apartments have washer and dryer built in, and often a fridge/freezer. I did bring all my small kitchen appliances (love to cook) and they work fine. TVs/hi-fi equipment etc., it really is an opportunity to upgrade here.
Furniture: like you, I wanted to be comfortable, and brought quite a bit with me, which I don't regret at all. But be a bit clever about it: e.g. we ditched old dining room furniture that we were tired of (you can get wonderful quality made to our own design here) but brought our modern Italian sofas - however, it is modular, which we knew would be ideal for fitting into different size apartments! (We've been in two different places so far.) The good ol' 2 seater + 3-seater won't work everywhere, but if you can make it a 2+2 + 1, it's fine.
Hope those additional perspectives give food for thought - good luck with it!