Apparently the marketing department at this HK bank didn't get that memo about a global real estate meltdown. One can imagine a frisky up-and-comer at the brainstorming session;"Hey boss, let's go with a couple cavorting on the beach of their newly purchased island! That's sure to bring in prospective homeowners!" Perhaps the couple looks so happy because they're fleeing their mortgage payments, or better yet they sold just moments before the market collapsed. The marketing guys could give the ad an apropos update, maybe change the mountain behind them to an erupting volcano...