I don't have as much time in as you, or anyone else here. But maybe what's going on with me can give you some insight into your own situation.
My girl and I have been talking since February. I can't say I've fallen in love with her yet, because I believe we really need to meet face to face and spend some time together to verify any 'internet' feelings we have. But I do feel she is a very special woman and she already has a place in my life and my heart. I am making the trip next week, and hope things go well with us. After this trip, I hope we are sure, and secure, in our feelings and relationship.
Anyway, we've talked about the future quite a bit. I know she cares for me and has deep feelings. However, there is so much uncertainty about moving to a new country and starting a new life. It is very, very hard for many of these women that have never seen much changes in their life. My understanding is that, in China, renting a place is not permanent. In fact, the lease is not completely ironclad, and so you could get kicked out of your rental with little notice. That's not really a way to live. And this scares Chinese women. They want you to have a place of your own so that there is one less thing they need to worry about in moving to the USA for you. Look at it from her perspective. It's a frightening thing, moving so far away, from all your friends, relatives, comfortable life... to somewhere that you don't know anyone, the language is different, and you have to depend on someone else.
Anyway, my girl has explained many things to me about moving to the USA with me. She has explained why a house is so important to her. She's lived in the same place a long, long time. She's not used to moving around. She wants a place that she can call home, and know that it will always be home. In a world of chaos and confusion and the unknown, it is a steady, secure, and sure place that never changes. It is important. You say love is all about money to her. I don't know her or the situation, but think of why these things are important. Western women, in my experience, don't care about the security as much as the 'wow' factor. They want the fancy car and big house and expensive clothes. Chinese women just want to know they are going to be secure when they move here. A house, not a big fancy house, seems to be all she wants. That doesn't seem like an outlandish request to me. For myself, I rent also. I am putting money aside to buy a house for her. In the end, I will be paying the same in mortgage as I'm paying in rent... less actually. So, is it really a bad thing? If you can commit to a relationship, you can commit to a house
Anyway, they are coming to a situation where they basically have little knowledge and less control. We have to take the time to give them a sense of permanence that will make them feel they can go to for solace and comfort.
Finally, you have to understand the difficulties in a long distance relationship. It's going to be hard in many ways. If you are looking for another woman, then this woman is probably not the right woman for you. You should seriously consider your actions, and what they mean... And either be fair and faithful to Hong, or let her down easy and move on. "Testing the waters" is a step away from cheating. Too many Chinese women deal with this as part of their culture. Don't do this.
Take all this with the knowledge that I am likely the least experienced person here as far as Chinese women go. This is what I've learned from my girl and this forum.