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Diving might be cheaper but getting to Brunei from HK is a lot more expensive than through BKI to Labuan.that's A LOT pricier than in Brunei! I paid ~$100/3-tank boat dive including gear and food & beverages (discounts for gear/dive pros), which goes out for every single customer, no need to pay any single supplement. They go out to similar/the same dive sites anyway.
Visa is not an issue.Are you talking about visa or something else? Because Brunei is literally one short, safe, and cheap ferry ride away from Labuan.
I forgot to mention the price above included airport/ferry port transfers as well. Food is cheap. Accom is supposed to be affordable as well.