OK call me naïve but long story short I met a DH, slept with her, no money involved (cuz chemistry clicked, and she's not a regular girl at bar, more like library type)... She knows I'm married, she knows I won't look after her, she is married (husband in Phillipines) but couldn't get pregnant... I only met her twice in real person, and shagged both times... from first moment she said she wants my sperm and my baby to go back to phillipine... (ok yeah I know it's usual trick played by Filipina for VISA)... but the deal we had from very start is "we're fooling around just having fun (read "sex")"...

Now she keeps texting me saying how much she misses me and loves me... but she also say "be nice to your wife and kids, don't msg me back I know u are busy"

I don't know about you but I get VERY intimidated with girl using LOVE word to me... my wife say that, fine, but from a playing girl to say I LOVE YOU is only a burden ... I rather have her say I love ur dick but u are asshole... so educate me, is this a cultural thing of Filipina to say "I love you" to someone they slept with, in a similar way we casually say "I like u (translate "I like shagging u but don't want strings attached")"?

or should I cut her loose cuz she's seriously getting emotionally attached? or is this just a whole game?

Well, every girl is different, but.. Here is a few comments.

- filipinas are often very religious.  Telling herself (and you) she loves you is one  way she deals withher sinning.  Adultery, unwed sex... Plenty of catholic guilt right there - this is a hugepart of filipinas culture.

- your passport.  When you are as poor as she likely is, and treated as badly as Filipinos are in HK..., a foreigner boyfriend is a golden lottery ticket.  It can be awfully fun being treated like a rock star by these gals.., but be careful and stay honest.  It is not"love" but an escape into a whole new life for her.

Good luck.  Enjoy her, treat her well, stay honest with her to avoid nasty "scorned woman" outcomes.

As soon as I read the title I said the answer is "NO!"  The thing is, you can't be sure what is going on in her head.  She has nothing to loose and everything to gain.  You have nothing to gain (that you can't get elsewhere) and everything to loose.  Don't play this game.

Also, you have no "deal" with her.  Don't kid yourself.  Now you can have a workable arrangement, but it doesn't sound like she will cooperate.  So you need to protect yourself, your family, and her.  You knew the answer before you asked the question.

"she wants my sperm and my baby to go back to phillipine"

That being said make sure you use protection.  

The love thing with the FWB is she can actually believe it.  Me personally, I would pay her even if it is only a nominal amount just to to set the tone of the relationship.

C'mon guys. This has nothing to do with being Phil. It has to do with being a woman, perhaps being lonely away from home, working all week and having a normal sex drive, and maybe having chemistry and actually falling for someone who is charming and perfect (in her eyes).

I think most are pretty level headed about it or at least rationalize as Wander described so well. I think you can be pretty sure when she says "I love you" and it comes with some emotion, some part of it is true on some level. How much of coarse varies by all the usual factors.

The one that really scared me last month was when my civvie phil girl said to me "doan bake me pall in lubb with you." She is not a DH, she has a work visa and makes a good living and is a lovely girl. She has no need for a ticket out. Now that is scary.

I think the line between those things blurs pretty easily. I'll bet they really feel love but sometimes they are not sure what it is they love.

thx all. the comment about religion and use of love word as excuse make some sense to me. yes i understand all the factors mentioned but wasnt sure if culturally, saying i love you is very normal...

i like the comment about "set the tone" by paying her... well in this occasion i gave her red pocket of 100 buck as well as generous octopus recharge... then its a mutual benefit win win and i dont need to feel guilty.

i am already honEst with her about setting expectations. so lets see how it goes