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I would say it would be a struggle but if you eat in most nights then its manageable. Once your kid needs to go to school you might struggle. for 30-40 min commute and decent housing you could live in Discovery bay. you can get a large 2 bed for about 20k and its a 25 min boat to central. If you want somewhere bigger look at the New Territories or even Lama.

<edit> I have used numbeo in he past and its quite accurate, but not looked for a year or two.
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