Unusual PhD drama [on hold]

Although I doubt it, maybe someone experienced similar drama, and can help me work through this. I am currently in a PhD program I am not happy with. Here is how it went down: I was working full-time at a boring office job while doing my Research Master at a well-respected university that I came to love. I was offered a non-funded PhD position at that institution and my initial plan was to, of course, do it and keep working full-time while at it (insane), and maybe apply for funding during my 2nd year of the PhD.

Meanwhile, I got a newsletter from one of my lecturers recommending a low-level university in Hong Kong (I did both my BA and RMa in Europe at universities I loved) on a super good funding scheme. I applied for it, just because. Why not? My work is related to Asia, so HK seemed worth a shot. Much to my surprise, I was offered the highest scholarship in the country, which in fact pays more than my office job paid. Being at this point physically and mentally exhausted from my office job, I decided to go to HK, thinking "It's the work that matters, not the university and I will have time and funding to do what I like."

I have NOT applied to any other universities in Hong Kong, even though it has some of the best in the world in my field. I now greatly regret that - I was informed I would have gotten into the other universities, had I only applied - unfortunately, I never had and now it's impossible to move the scholarship. This hangs like a black cloud over my life here and I cannot forgive myself.

Unfortunately, the university matters. I am not happy with it, and it makes me feel like I'm going through a BA again. I am not happy with the classes or the supervision. I am however fully funded and have great freedom to pursue my own project - in short, I get money to do what I want and a lot of free time to focus on non-academic projects, which has also brought me lot of joy and magic CV entries. :)

I did consider quitting, but the PhD program in HK is only 3 years long. I am already 1/3 done. By the time I can enter another PhD program, I will only have half a term left of this one. I will be 27 when I finish it, with some publications and other non-academic credits that I'm earning here that help me in my other careers.

Yet, if I want to continue in academia I feel that undoubtedly I will need to do another PhD. Not only because I'm not satisfied with the uni (is three years enough to do proper doctoral research?! NO!), but also because of the unis super low position in rankings. Not to mention my dissatisfaction with the fact that I have never actually applied to a university I wanted to go to, and this was all random.

Any thoughts would be greatly appreciated...