1. I guess you know that the difference betweeen general finance (MSF) and financial engineering (MFE) is quite a big one; not only the content in the study, but also the career paths they lead to.
If you are telling me that you are not sure about the difference between the two, or there are not preference between one over the another, I will say it is a very clear and strong signal that you are not yet ready for it.
2. Perferred location of working after graduation?
This is a very very key point for choice of countries and program.
3. Budget constraint.
Personally I don't see any big problem for G, and thus no need retake, but retaking T to make it up to 100 sounds to be quite important, especially if you are going to MSF instead of MFE.
top school in US seldom offer MSF, MIT is the only exceptional
my suggestion will be: consider more school in UK, of course I mean the good one.
from LBS, LSE, Oxbridge, to IC, UCL.
for US, I guess there is around three school within top 30 (but not within S16) are offering an MSF, it worth considering too.
you may also consider the three school in HK, and maybe also NUS and SMU.
of course you may ask, what if I cannot enter this level of school, and should I go down on the ranking?
well......key point is, make sure the school is well regards back in China.......else = waste time waste $$.