从“三不”到“真香”，香港银发族正掀起大湾区养老热

Core Viewpoint - The article discusses the increasing trend of elderly residents from Hong Kong moving to mainland China for retirement, driven by the lack of adequate elderly care resources in Hong Kong and the higher cost-effectiveness of care options in mainland China [3][4][5]. Group 1: Elderly Care Demand and Supply - As of 2024, nearly 100,000 elderly individuals aged 65 and above from Hong Kong have chosen to settle in Guangdong Province, marking a 40.5% increase over the past decade [3]. - Hong Kong faces a significant gap between the supply and demand for elderly care resources, with public care facilities being scarce and private options being prohibitively expensive [4][5]. - The proportion of elderly individuals aged 65 and above in Hong Kong is rising, with projections indicating that by 2039, this demographic will exceed 30% of the total population [4]. Group 2: Government Initiatives - The Hong Kong government has implemented various programs to provide social services and benefits for the elderly, including community care and support services, elderly home care services, and financial assistance [5]. - The average waiting time for government-subsidized elderly care beds is approximately 2-3 years, with strict eligibility criteria [5]. Group 3: Cross-Border Elderly Care - The trend of Hong Kong residents moving to mainland China for retirement is gaining momentum, with many elderly care institutions from Hong Kong establishing operations or partnerships in mainland China [7][8]. - The "Guangdong Plan" and "Fujian Plan" initiated by Hong Kong provide cash allowances for eligible residents moving to these regions, including elderly allowances and living subsidies [8]. Group 4: Healthcare Challenges - Despite the appeal of cross-border retirement, Hong Kong residents face challenges related to healthcare access, including the inability to enjoy full reimbursement of public healthcare services in mainland China [11]. - The Hong Kong government has introduced a medical voucher program for eligible elderly residents, which is being expanded to cover suitable medical institutions in the Greater Bay Area [12]. Group 5: Financial Institutions' Involvement - The trend of Hong Kong residents moving to mainland China for retirement is attracting attention from financial institutions, which are developing innovative financial products to support this demographic [14][15]. - Companies like China Taiping and Guangfa Bank are creating cross-border healthcare services and financial solutions tailored for elderly clients seeking retirement communities in mainland China [14].