Although money is an important consideration in having a baby, to me it would not be the MAIN consideration. You can always be resourceful and prioritize with cost savings. HK is an expensive city but by the same token there are lots of people selling good quality items second hand, and factory outlets with good finds. Raising a baby is an emotional issue as well. I agree with Nicolejoy that you are more likely to regret NOT having a baby, instead of regret having one that you can't afford. I don't think any baby is unhappy that it is lacking in material comforts - it is only peer pressure that is learned later on.