Core Insights - The trend of Hong Kong seniors moving to mainland China for retirement is increasing, with nearly 100,000 elderly residents choosing to settle in Guangdong Province, marking a 40.5% increase over the past decade [1][3][5] - The "Guangdong Elderly Care Service Plan" has been established to facilitate cross-border elderly care, providing financial support for Hong Kong seniors in mainland institutions [5][6] - The aging population in Hong Kong, coupled with high living costs and a shortage of local elderly care facilities, drives the demand for cross-border retirement options [3][4][6] Industry Overview - Hong Kong has the highest life expectancy globally, with an average of 85.3 years, yet faces challenges in meeting the retirement needs of its aging population due to limited space and high costs [3][4] - The average waiting time for a bed in local elderly care facilities in Hong Kong is approximately 24 months, with some facilities requiring up to 6 years [4][5] - The "silver economy" in China is projected to grow significantly, with estimates suggesting it could reach 30 trillion yuan by 2035, representing about 10% of GDP [8][9] Market Dynamics - Financial institutions and state-owned enterprises are increasingly entering the cross-border elderly care market, with various companies offering services tailored to the needs of Hong Kong seniors [6][10] - The operational model for elderly care is evolving, with a focus on service quality, personalized care, and community integration to attract and retain clients [6][10] - The introduction of REITs for elderly care facilities is expected to enhance investment opportunities in the sector, although successful issuance has yet to occur in China [11]

Core Insights - The trend of Hong Kong elderly residents relocating to Guangdong for retirement is driven by the high cost-effectiveness and lifestyle compatibility of the region's elderly care services [1][2] - The Hong Kong government's policies, such as the "Guangdong Residential Care Service Program," provide financial support and service guarantees, making cross-border retirement a stable option [2][3] - Challenges remain in the integration of healthcare services and the adequacy of nursing care, necessitating further improvements in policy and service delivery [3] Group 1: Retirement Trends - Nearly 100,000 elderly individuals aged 65 and above from Hong Kong have chosen to settle in Guangdong by 2024, with cities like Guangzhou, Foshan, and Zhongshan being popular choices [1] - The monthly fee for mid-range nursing homes in Hong Kong exceeds 30,000 HKD, while similar facilities in Guangdong cost only one-third of that, offering better living conditions and amenities [1] Group 2: Policy Support - The "Guangdong Residential Care Service Program" covers 24 recognized institutions across eight cities in the Greater Bay Area, with costs for food, accommodation, and basic medical care fully covered by the Hong Kong government [2] - The "Guangdong Plan" provides a monthly subsidy of up to 4,060 HKD for elderly residents, along with the use of medical vouchers in designated Guangdong institutions [2] Group 3: Healthcare and Service Challenges - A significant issue is the lack of seamless healthcare integration, with the annual limit of 2,000 HKD for the elderly medical voucher being insufficient for chronic disease management [2][3] - Less than 30% of nursing staff in some Guangdong facilities are proficient in Cantonese and familiar with Hong Kong's elderly care practices, impacting service quality for bedridden patients [3] - There is a need for enhanced training for nursing staff and the establishment of a cross-regional medical information sharing platform to improve care for Hong Kong seniors in Guangdong [3]

记者丨 李金萍 视频丨 见习编辑陈泽锴 实习生崔晓韵 港人北上养老或正迎来"井喷"式发展。 近日，一位参与香港跨境养老政策制定的相关人士向21世纪经济报道记者透露，随着"广东院 舍照顾服务计划"的覆盖范围从香港本土延伸至粤港澳大湾区内地城市，港人北上养老的趋势 正逐步加强。 21世纪经济报道记者近日在深圳多家养老机构实地走访调研也发现，这一趋势正日益明 朗。不少市场主体已敏锐捕捉到港人跨境养老的商机，甚至催生了专门的"中介角色"—— 他们在香港整合长者资源，向内地养老机构推荐客户，并组织香港团体集中前往内地考 察。 深圳市宝安区悦华年颐养中心院长陈琪告诉21世纪经济报道记者，今年6月以来，她已经接待 了6批上述考察团体。 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，已有近10万名香港长 者（65岁或以上）定居广东，较过去10年增长超40%。 编辑丨周上祺 为何选择北上养老的香港长者日益增多？多位在深圳养老的香港长者向21世纪经济报道记者表 示，跨境养老是在综合考量性价比、护理需求等因素后作出的理性选择。 近年来，香港特区政府也持续推动长者融入大湾区内地城市养老。9月30日，特区政府再 ...

Core Insights - The number of Hong Kong seniors aged 65 and above choosing to settle in Guangdong Province has increased by over 40% compared to the past decade, with cities like Guangzhou, Foshan, and Zhongshan becoming popular retirement destinations [1] Group 1: Elderly Care Programs - The "Guangdong Residential Care Service Program" has expanded, with the number of recognized care institutions increasing to 24, significantly reducing waiting times for Hong Kong seniors [10][11] - The program, initiated in 2014, aims to alleviate the pressure on local Hong Kong nursing homes by allowing seniors to access care in mainland China [11] - The program covers accommodation, care services, personal assistance, and basic medical expenses for eligible seniors, funded by the Hong Kong government [7] Group 2: Market Demand and Business Expansion - There is a growing demand for elderly care services among Hong Kong residents, prompting Hong Kong-funded elderly care enterprises to accelerate their expansion into mainland China [12] - Some Hong Kong companies are directly establishing elderly care facilities in mainland China, exploring diversified development paths [14] - A Hong Kong-listed company's subsidiary in Foshan operates nine elderly care institutions and collaborates with Hong Kong organizations [15] Group 3: Living Conditions and Experiences - Seniors like Lin Peijie and Huang Pinai have expressed satisfaction with the rich activities, attentive care, and comprehensive medical conditions available in their chosen facilities [5] - The "Guangdong Residential Care Service Program" has allowed seniors to experience a variety of living arrangements, including self-funded and government-supported options [7][9] - The integration of medical, commercial, and recreational services in some facilities reflects a shift towards more open and flexible living environments for seniors [17]

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]