本报记者 刘晓一 冬日午后，位于广州天河的椿萱茂老年公寓里，传来阵阵欢声笑语。香港人黎叔与多位内地长者围坐一堂，品茶听曲，言 谈间尽是熟悉的乡音。黎叔向《证券日报》记者表示，选择在这里养老，不仅是选择一处住所、一项服务，更是选择"离家不 离乡"的归属感。 在粤港澳大湾区（以下简称"大湾区"）加速融合的背景下，越来越多的港澳长者像黎叔一样选择"北上养老"，寻找更舒适 的银发生活。 早在2023年，广东省民政厅与香港特区政府劳工及福利局签署《关于共同推进粤港两地养老合作的备忘录》《有关扩 展"广东院舍照顾服务计划"合作意向书》（以下简称"广东院舍计划"），共同探索大湾区跨境养老路径。截至今年8月底，参 加该计划的入住香港长者已达657人。 政策打通跨境养老路径，温度则藏在日常的细节里。当前，港澳长者"北上养老"的真实体验如何？医保跨境结算、养老补 贴的使用是否畅通？行业还存在哪些不为人知的"痛点"？带着上述问题，近日，《证券日报》记者深入采访行业专家、企业代 表和港澳长者，看跨境养老的政策蓝图如何落到实处。 多元聚力 跨境养老生态成型 在广州天河椿萱茂老年公寓的活动区，香港长者陈伯正在宽大的胡桃木书桌前练笔，这位 ...

Core Viewpoint - The trend of cross-border elderly care is emerging in the Guangdong-Hong Kong-Macao Greater Bay Area, with an increasing number of Hong Kong residents choosing to retire in mainland cities within the region [1][2]. Policy Connection - The "Guangdong Residential Care Service Program" has expanded, now recognizing 24 service institutions across eight mainland cities, including Guangzhou and Shenzhen [1][2]. - By 2024, nearly 100,000 Hong Kong residents aged 65 and above are expected to settle in Guangdong, marking a 40.5% increase compared to the past decade [2]. - The "Guangdong Residential Care Service Program" has strict selection criteria, emphasizing the need for institutions to meet high operational standards and provide 24-hour medical care [2][3]. Service Innovation - The facilities at Chuanxuanmao (Guangzhou Kelin Road) include well-designed living spaces, with double rooms averaging 40 square meters and single rooms exceeding 90 square meters, ensuring comfort for the elderly [5][7]. - The monthly cost for self-paying double rooms starts at 7,000 yuan, with various subsidies enhancing affordability [7]. - Cultural and dietary services are tailored to create a sense of belonging, including regular Hong Kong-style afternoon teas and activities that help residents integrate into mainland life [7][11]. - The company has developed a non-pharmaceutical intervention solution called "Memory Journey" for elderly residents with cognitive impairments, establishing a unique advantage in dementia care [11]. - Future expansion plans focus on cities like Guangzhou, Shenzhen, and Foshan, considering GDP, aging rates, and consumer capacity [11].

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]

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].

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].