This is just MY personal thoughts on this matter and since you want people opinion I will give my opinion. My advise might not even be the correct one but it is up to you to make the final decision on this matter. Here are my thoughts based on the LIMITED information I got so far.
There is a problem in your relationship and that is a fact. If there wasn't a problem you wouldn't of wasted your time to make a post about it. Subconsciously or consciously you already know she doesn't really love you and is just using you for her own benefit be it monetary or other reasons. You already said she is way younger than you so there is a age gap in your relationship and No holding hands, not even a hug or a kiss or anything after 3 months. I would understand if there no sex since it real dating and just 3 months but (She 28years not 18 year old) this isn't teenage kids but grown adults dating so she should of at least hold your hand or kiss you by the end of the first month. She did introduce you to her mother which is a good thing for her. In China once girls hit around her age the parents will keep nagging the lady to settle down especially around the Lunar New Year time period. Seem to me like you are what she is just gonna settle for. You got a stable career and UK citizenship so she will get the money and UK green card by marrying you even if things don't work out in the end. Things in China isn't looking so good at the moment especially economy wise. Lot of well inform/educated Chinese people want to escape China and not deal with the trouble that gonna hit China.
Here some question I have. On the girl social media does she post pictures of you at all showing the world that you are her boyfriend and she in love with you? Or does she just posted photo of the fancy restaurants she dine at but only herself in the photos? Does she hide you from her social life/social media and if she does hide you than she a shame to be with you.
You don't want to end up as a SIMP for a girl who just gonna drain you for all you got than toss you away at the end. You already said you got sucker in before and if it happen once than it can happen again because honestly from what I can tell you got the too much of a nice guy vibe/personality and people will take advantage of that. You don't want to end up paying for everything just so the girl is really fucking some other guy and having you take care of their kids in the future.
Like I stated above this is just MY thoughts based on my LIMITED information and I CAN BE WRONG but it is up to YOU TO DECIDED. You said you are getting older but we are all getting older. I just turn 30 a short while ago and my parents have been nonstop nagging me to settle also but here the thing. I only got one life to live and I will not settle just so I can regret on my decision in the future. I know my value will keep increasing as time goes on so why should I settle for something less. You should feel the same way. You should believe in yourself and love yourself first before you try to love other. In all my years of having fun I realize if I treat my girlfriends with respect and "SIMP" for them they always end up cheating or breaking up with me. When I don't care about them and love myself instead girls want me instead and chase me.
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