本报讯 （记者刘晓一） 在粤港澳大湾区（以下简称"大湾区"）"软硬联通"持续深化的背景下，跨境养老的风潮正悄然兴起。 大湾区跨境养老，即港澳居民选择在大湾区内地城市养老的现象。今年10月份，香港社会福利署"广东院舍照顾服务计划"迎来新一轮扩容。其认可服务机构 总数增至24家，覆盖广州、深圳、珠海、佛山等8个大湾区内地城市。 走进椿萱茂（广州科林路）老年公寓，精致的满洲窗透着广府独有的韵味，活动室不时传来阵阵欢声笑语。88岁的香港长者陈伯正在书法区伏案练习。"我 儿子在网上了解到椿萱茂，我就来看了一次，觉得很不错，当下就决定入住了。"陈伯说道。 陈伯的选择，是大湾区跨境养老风潮中许多港澳长者的真实写照。据香港特别行政区立法会发布的《数据透视》显示，截至2024年，已有近10万名65岁或以 上的香港老人选择定居广东省，相较于过去十年，这一数字同比激增了40.5%。 椿萱茂是远洋集团于2012年创立的国际化健康养老服务品牌。公司旗下位于广州番禺（兴业）、广州天河（科林路）两家老年公寓先后入选"广东院舍照顾 服务计划"，椿萱茂也因此成为内地唯一有双项目入选该计划的养老机构。 "入选'广东院舍照顾服务计划'的标准严苛， ...

Core Insights - The trend of "cross-border elderly care" is rising in Hong Kong as more elderly residents seek to relocate to the Greater Bay Area for better living conditions and lower costs [1][3][10] Summary by Sections Cross-Border Elderly Care Trend - An increasing number of elderly Hong Kong residents are moving to the Greater Bay Area, with nearly 100,000 individuals aged 65 and above expected to settle in Guangdong by 2024, marking a growth of over 40% compared to a decade ago [1][3] - The cross-border elderly care ecosystem aims to alleviate the pressure on local resources in Hong Kong while providing new opportunities for the elderly care industry in the Greater Bay Area [1][3] Cost and Living Space Advantages - The primary motivation for Hong Kong seniors to choose cross-border care is the significant difference in costs and living space between Hong Kong and mainland China [3][4] - Private elderly care homes in Hong Kong charge between 20,000 to 80,000 HKD per month, while facilities in the Greater Bay Area can be as low as 3,000 RMB, with high-end options like Chuanxuanmiao offering rooms for about 8,000 RMB per month, roughly one-third of Hong Kong prices [3][4] Government Initiatives - The Hong Kong government has been proactive in developing cross-border elderly care measures, such as the "Guangdong Residential Care Service Plan," which allows eligible seniors to stay in recognized facilities in the Greater Bay Area [3][4] - The number of participating elderly care homes in the Guangdong plan has increased from 2 in 2014 to 24 currently, covering eight mainland cities [5] Demographics of Cross-Border Seniors - The elderly population choosing cross-border care is primarily familiar with mainland China, categorized into three types: "returning roots," "nostalgic visitors," and "new settlers" [5][6] - The Chuanxuanmiao facilities have successfully attracted various types of Hong Kong seniors, indicating a diverse demographic interested in cross-border care [5][6] Challenges and Solutions - Despite the growth, challenges remain, particularly regarding medical services and the integration of living environments for Hong Kong seniors [6][7] - Institutions like Chuanxuanmiao are adapting by ensuring staff can communicate in Cantonese and offering familiar dining options, such as Hong Kong-style afternoon tea [9][10] Future Prospects - The cross-border elderly care market is expected to expand significantly, with the potential to become a trillion-yuan market as transportation networks and living conditions improve [10]

Core Insights - The article highlights the increasing demand for elderly care services in Hong Kong due to a rapidly aging population, with projections indicating that by 2050, one in three residents will be elderly [1][3] - The "Guangdong Elderly Care Service Plan" has been established to provide support for Hong Kong seniors, allowing them to access care facilities in the Greater Bay Area, which has seen a significant increase in the number of Hong Kong seniors relocating to Guangdong [4][5] Group 1: Market Opportunity - The aging population in Hong Kong presents a substantial market opportunity for elderly care institutions in the Greater Bay Area, with nearly 100,000 Hong Kong seniors expected to settle in Guangdong by 2024, marking a 40% increase over the past decade [1][4] - Institutions participating in the "Guangdong Elderly Care Service Plan" have already begun to capture a portion of this market, with 24 facilities approved to provide services across eight cities in mainland China [4][5] Group 2: Competitive Landscape - The competition among elderly care institutions is intensifying, particularly as local institutions in Shenzhen face high vacancy rates of approximately 42%, prompting them to target Hong Kong seniors as a lucrative customer base [7] - Hong Kong seniors are characterized by a higher willingness to pay for quality services, with many accepting monthly fees below 10,000 HKD, which is above the average rates of 6,000 to 8,000 HKD charged by local institutions [7][9] Group 3: Operational Challenges - While the influx of Hong Kong seniors is beneficial, it also presents operational challenges for institutions, including the need to comply with Hong Kong's regulatory standards and the associated costs of maintaining dual service systems for both Hong Kong and mainland clients [8][9] - Institutions under the "Guangdong Elderly Care Service Plan" receive government subsidies ranging from 5,000 to 12,000 HKD per month for each Hong Kong senior, but they must pay a referral fee of 20% to 30% to designated agencies, impacting their pricing competitiveness [8][9] Group 4: Service Differentiation - To attract Hong Kong seniors, institutions are focusing on personalized services and cultural activities that resonate with this demographic, such as traditional cultural events and tailored support for individual needs [11] - Non-participating institutions in the "Guangdong Elderly Care Service Plan" are adopting flexible strategies to differentiate themselves, emphasizing unique service offerings to appeal to Hong Kong seniors [9][11]

2025.09. 12 本文字数：3132，阅读时长大约5分钟 作者 | 第一财 经 安卓 "我不想走我母亲的老路，98岁高龄还不能入住公立的安老院，人都会变老，我不要老了以后成为年 轻人的负担。"78岁的高叔在谈及为何北上养老时说。 根据香港特别行政区立法会2025年发布的《数据透视》显示，截至2024年，有近10万名65岁或以 上香港老人，选择定居广东省，比过去10年间激增了40.5%。 香港老人北上养老的背后，一方面是香港深度老龄化背后养老资源供给与需求之间的巨大缺口，另一 方面则是内地养老资源越来越高的性价比。 "此前，香港长者对内地养老存在'三不'误解，即不了解、不信任、不方便，如今内地、香港都在合 力推动化解'三不'，港人北上养老的数量会越来越多。"中国太平·木棉人家总经理刘行对记者说。 横跨两代人的养老探索 高叔在探访了香港和广东的几家养老机构之后，最终选择了位于广州的中国太平·木棉人家。"我身 边很多朋友都在大湾区寻找合适的安老院。"他说。 香港的安老资源正面对供不应求的挑战，公立安老院资源紧张、审核门槛高、等待时间长；私立安老 院则价格昂贵、性价比低。高叔说，早年，他98岁高龄的母亲申请入住 ...

Core Insights - Hong Kong's elderly care resources are facing a significant supply-demand gap, leading to an increasing trend of elderly residents moving to mainland China for better care options [1][2][4] - The number of Hong Kong seniors aged 65 and above choosing to settle in Guangdong has surged by 40.5% over the past decade, with nearly 100,000 expected by 2024 [1][2] - The Hong Kong government has initiated various plans to support elderly residents, including cash allowances and care service programs, to facilitate cross-border elderly care [5][6] Group 1: Elderly Care Demand and Supply - The public elderly care facilities in Hong Kong are under severe pressure, with long waiting times and high entry barriers, while private facilities are costly and offer low value for money [2][3] - Statistics indicate that one in seven people in Hong Kong is aged 65 or older, and this demographic is projected to exceed 30% of the population by 2039 [2][3] - Many elderly individuals, like the case of a 78-year-old man, find themselves in a "gap" where they do not qualify for public care but cannot afford private options [3] Group 2: Cross-Border Elderly Care Trends - The trend of Hong Kong seniors moving to mainland China for elderly care is gaining momentum, with many institutions beginning to establish or collaborate with mainland facilities [4][5] - The "Guangdong Plan" and "Fujian Plan" initiated by Hong Kong provide financial support for eligible residents moving to these regions, including monthly allowances [5][6] - By 2024, it is expected that around 2,000 Hong Kong seniors will visit and experience care facilities in mainland China, with approximately 40 expected to move in [4][5] Group 3: Healthcare and Financial Services - Despite the appeal of cross-border elderly care, challenges remain, particularly regarding healthcare access and the interoperability of medical records between Hong Kong and mainland China [7][8] - Financial institutions are increasingly targeting the elderly care market, offering innovative solutions such as "zero-cost entry" models for mainland care communities [9][10] - Companies like China Taiping and Guangfa Bank are developing services that facilitate cross-border medical care and enhance communication between elderly residents and their families [9][10]

Core Viewpoint - The trend of cross-border elderly care is growing in the Guangdong-Hong Kong-Macao Greater Bay Area, with increasing numbers of elderly from Hong Kong and Macao choosing to retire in mainland cities for a comfortable lifestyle [2][7]. Summary by Sections Expansion of Elderly Care Programs - The "Guangdong Residential Care Service Program" has expanded from 11 to 15 recognized service institutions, covering six cities in the Greater Bay Area, providing more options for Hong Kong elderly [2][4]. - The program allows Hong Kong elderly to stay in Guangdong care homes without paying for accommodation, nursing services, or basic medical care [2]. Cost and Accessibility - The cost of elderly care in Shenzhen is approximately 40% lower than in Hong Kong, with convenient transportation allowing family visits within 40 minutes [4]. - Personalized health management records are established for each Hong Kong elderly resident, with real-time health data accessible to family members [4]. Talent Development and Standardization - The "One Exam, Multiple Certificates" pilot program allows caregivers to obtain various qualifications from Guangdong, Hong Kong, and Macao, enhancing their employment prospects in the Greater Bay Area [5]. - Continuous efforts are being made to align standards and improve cooperation in elderly care services across the three regions [5][6]. Medical Support and Services - Zhuhai has introduced a "medical reserve fund" to support Hong Kong elderly with medical expenses during their stay, enhancing healthcare access [7]. - The expansion of the "Elderly Medical Voucher Greater Bay Area Pilot Program" includes 12 new medical institutions, benefiting over 178,000 Hong Kong elderly [7]. Future Prospects - The establishment of a cross-border elderly care service platform is being considered to integrate the needs of Hong Kong elderly with resources from mainland care and medical institutions [9].