有人年薪百万、有人餐厅“炒散”，续签率54%的香港“高才通”如何优化？

Core Insights - The "High Talent Pass" program in Hong Kong has attracted over 220,000 individuals since its launch, with a significant drop in retention rates due to high competition and a challenging job market [2][3][11] - The insurance industry, in particular, has a high attrition rate, with 80% of new entrants failing to continue after the first year, leading to a perception of it being a "gamble" [1][8][11] - The median monthly salary for those who successfully renew their visas is approximately 40,000 HKD, with the highest earners making over 300,000 HKD [11][14] Group 1: Program Overview - The "High Talent Pass" was introduced to address talent shortages, targeting graduates from top global universities or individuals with high salaries [3][11] - As of July 2025, 13,678 individuals had their stay permits expire, with 46% opting not to apply for renewal [6][11] - The program has three categories for renewal, with varying success rates: A (77%), B (50%), and C (40%) [6][11] Group 2: Industry Challenges - The insurance sector has seen a rapid influx of talent, but many struggle to achieve sales targets, leading to high turnover [8][9][11] - New entrants often face significant challenges in establishing a client base, with many failing to make sales in their first months [8][9] - High living costs in Hong Kong, including expensive housing, further complicate the situation for new talent [10][11] Group 3: Economic Impact - The "High Talent Pass" program is expected to contribute approximately 34 billion HKD annually to Hong Kong's economy, representing about 1.2% of the local GDP [14] - The government plans to continue the program while optimizing its details to better align with local needs and labor market conditions [14]