Hi everyone, Thanks to all of you for your advice!

We wouldn't mind boosting her housing allowance to HK $1,500 or so. We want to be fair, but also not get ripped off. (We live in Kowloon, if that helps. I think prices are lower here). We would also pay for transportation and food.
I know there's no point in complaining here, but it really does seem unfair. So a local Chinese helper has the freedom to live out, but a Filipina does not? What kind of government policy is that? What about long-time Filipinas in HK? Do they get permenant residency and become "local" after 7 years like everyone else?
Please don't read too deeply into this, but I would prefer not to hire a full-time local / mainland Chinese helper. Long ago, many Hong Kongers used them, and they really were "jie jie" or "ayi," meaning they were like pseudo aunts who felt they had say over childcare decisions, etc. According to my older relatives, there was alot of conflict -- it was too close for comfort.
For some reason, with "foreign" (like Filipina) helpers, I think it's easier to keep that line between employer and employee. I'm just going by the experience of my family and friends. Even my relatives who speak no English are wary of local / mainland helpers. I don't mean that to sound prejudiced, but I think there's a big cultural difference.
Hmmm. What to do. My current PT is live-out. Maybe I'll ask her what the situation is.