EH?!
I just hope you don't call yourself an expert  
Please tell me more about bigger-income.com thanks. Oh no wait.. Let me tell you what's that: SLEEPER PROJECT.
A sleepy project is a program which starts usually with about $1,000 budget from admin's side, but this money is NOT spend at once because such programs are studied to start quietly with clever and trustworthy investors. But w-h-y? Simple as fuck, those are the most stable and profitable programs hell yeah  
Admin usually purchases GC script with license for about $166-246, rents a dedicated server with DDoS protection for about $150-200 a month and finally spends about $200-300 on some "cool" monitors who will bring real HYIP investors. Every month, the admin will invest about $100 on monitors just to make the program run longer since it has to remain stable, that's the key for the success.
So what about the template you say? Well, admin sticks for free template or custom crappy one even having the skills and money for a better template, but that's called strategy my guys  
Admin can't handle big money, lots of investors and doesn't want to scam too soon. What happens then it's called restyle step, which consists of more steps apart:

• unique design (usually required a great investment if hiring)
• big advertisement campaign: monitors, blogs, forums, socials etc.
• changes in investment plans and referral program
• fb page and group creation or upgrade
• many other little things yet

hkbincome.com is already using a normal template which means no restyle in future = this is going to to last max 1 month (at least with the actual plans).