Hong Kong, by comparison, is probably one of the worse places when it comes to thermal insulation. When it's 12 outside, it's not far from being the same inside.
It always amazed me how such an energy-hungry place, where electricity is expensive, is built so cheaply that insulation doesn't factor at all. Energy-efficiency is totally unknown when it comes to housing.
I'm yet to see a double-glazed window pane in Hong Kong.