To be honest, your chance is really, really tiny, if you target at top 20. (Of course, it'll be a totally different story if you have strong connection with some big bull faculty in top schools.) Don't feel it's easy to get into top accounting programs. Many people may be inspired by Jingzhimeng. But it's really not that easy. You don't have a master degree, and you don't have higher GPA. What are your advantages? You may come from a top University from Hongkong, but come on, there are tons of applicants from top US schools. Even if you have great GPA, a master degree, this probably won't help you much. As long as you don't have convincing and strong recommendation, you chance is still tiny for top 20. Remember there are so many Chinese students with similar background. Keep one question in mind: why me? I'm not discouraging you, but it's better to be realistic rather than regret.