盤點熱門留學地區香港家長用於子女的教育開支，豈止補習費和書簿費。 For Hongkongers, investing in education means much more than simply paying for tuition and textbooks.
POPULAR INTERNATIONAL EDUCATION MARKETS
若問港人移居海外原因，Paul Bernadou Migration高級顧問alice Wong可以肯定地告訴你，十居其九都是一樣的。她說：「客人的決定都是以子女為先。」其公司專門協助港人提供處理移民澳洲、加拿大、美國及英國的入境手續。「現在的香港跟以前很不同，很多人感失望。許多育有年幼子女（十歲以下）的客人，為了讓子女有更好的成長及教育環境，面對少一點學習壓力，都想移居海外。」
教育在香港投資者心目中有著重要地位，來港銷售項目的海外發展商一直以鄰近著名學府為銷售賣點。
Alice續指：「yougov調查數據顯示，過去五年最受歡迎的移居地為澳洲、加拿大、美國。自特朗普上任後，移民進度緩慢起來，有別於內地人申請程序，即使是香港人和台灣人，亦要等候多年。過去兩至三年，我們未有處理移居美國的申請。
撇除物業因素，澳洲、加拿大、英國有其相似之處。作為英聯邦成員國，說它們相似一點也不奇，三地不但政治穩定，且具有公平、自由的選舉制度，法制亦同樣公開透明，被視為理想投資地。再者，港元跟隨美元強勢，兌換澳元及加拿大元變相令資產增值，而英鎊又因脫歐事件跌價，對港元有利。對於投資子女教育為目的的人士，最感欣慰其實是三地學費較便宜，即使在最優秀學府留學，國際學生收費每年大概二萬美元，相對於美國哈佛大學收取高達五萬美元學費，已是天淵之別。
Ask Alice Wong, Paul Bernadou Migration's senior consultant, the reasons clients give for considering a move overseas and the answer comes quickly. “Their first concern is their children,” she replies. PB Migration specialises in helping Hongkongers smooth out the immigration process to popular destinations Australia, Canada, the United States and the United Kingdom. “Hong Kong is a different city now and people are disappointed. Many of our clients have kids under 10 years old and they want to emigrate so their children have a better environment to grow up in, a better standard of living, less pressure at school as well as a good education.”
Education has always played an important part in where Hong Kong investors choose to put their money, and overseas developers with projects to promote in the SAR have always been quick to point out the schools that are within striking distance of their properties to potential buyers.
According to Yougov, Australia, Canada and the United States have been the preferred destinations for five years running, though Wong notes, “After Trump, everything slowed down. People are waiting for years, even Hong Kong and Taiwanese people who are excluded from the China queue. We haven't taken any US cases in the last two or three years.”
Leaving property aside, Australia, Canada and the UK have a great deal in common, perhaps unsurprising given their Commonwealth connection. They enjoy political stability with open and free elections, are low-risk locations supported by clear and transparent legal infrastructure, and each is considered an investment safe haven. On top of that, the Hong Kong dollar's peg to the bafflingly strong US greenback makes Australia and Canada high value options, and Brexit uncertainty on many levels has kept the sterling affordable. For investors buying for education purposes, the biggest bonus might be in costs: international student tuitions at the best universities in all three countries (reportedly around US$20,000 per year) are a fraction of what domestic students pay at Harvard (over US$50,000).
擁有多間名牌大專院校及學府，包括澳洲國立大學、蒙納殊大學、墨爾本大學、悉尼大學、新南威爾斯州大學、昆士蘭大學等等，澳洲是目前最受移民人士歡迎的目的地之一。2018年，香港人花近20億澳元（約92億港元）投資當地物業。但在2019年，投資該國的海外資金驟降，原因是當時快要通過徵收資產增值稅，後來亦真的落實了。2020年7月起，資產增值稅會由現時的12.5%進一步上調。儘管如此，港人對澳洲物業投資查詢持續不減。
現時澳洲最理想投資地是昆士蘭陽光海岸，位於布里斯本北面約一小時車程，而昆士蘭大學正是位於發展如日方中的布里斯本。陽光海岸包括努沙、瑪盧奇多、卡隆德拉等地，一直被視為優質退休生活區，直至近年出現新發展項目，始獲年輕家庭垂青。努沙的公寓增長率於2019年全澳最高（24%），當地以至澳洲的居住人口穩步上揚。布里斯本是主要港口之一，昆士蘭大學與昆士蘭科技大學在生物科學與科技研究方面於全球首屈一指。陽光海岸發展出多元經濟，如潔淨技術、機械與創意產業。雖然墨爾本及悉尼同是熱門之選，但昆士蘭樓價穩定，於2019年是
三地中跌幅最少，宜作長線投資。
Home to the Australian National University, Monash, the University of Melbourne, of Sydney, of New South Wales and of Queensland are among dozens of other premier post-secondary schools, Australia is currently the most popular destination for potential emigrants. Hongkongers spent AU$2 billion (approx. HK$9.2 billion) on property in 2018, though in 2019, investors hit the pause button as the country headed into an election where an increased capital gains tax was on the platform. Sure enough, as of July 2020, the CGT will rise from the current 12.5%. Despite that, property enquiries from the SAR continue.
The wisest choice for Australia right now is Queensland: the Sunshine Coast, roughly an hour north of booming Brisbane, and Brisbane itself—home of the University of Queensland (UQ). The Coast, including Noosa, Maroochydore and Caloundra, had been considered a retirement area until recent development drew attention from younger families. Noosa boasts Australia's strongest apartment growth rate (24% in 2019), and both are trending up for population growth. Brisbane is one of the country's key ports, and
UQ and Queensland University of Technology are bioscience and technology research leaders. The Sunshine Coast's diversifying economy includes clean tech, medicine and the creative industries. Melbourne and Sydney are never poor choices, but property prices in Queensland fell off the least in 2019, making it a better long-term asset.
截至2018年，有近30萬港人取得加拿大護照，港人移居及投資該國熱度僅次於澳洲。加拿大有意於2020年起提升移民
入境人數，以維持國內經濟活力，吸引海外學生前來留學是計劃之一，當地生活質素高、崇尚創新，甚受海外人士歡迎。加拿大總理杜魯多去年贏得大選留任，意味不會於短期內改革政策，現時樓價穩定，租務需求持續。
尋找租金回報理想的投資地，要數增長中的蒙特利爾（已升至6 %）及門戶城市多倫多（ 5 %）。兩地交通配套成熟，城市區域廣闊，更提供一系列學府選擇。加拿大版本的常春藤聯盟有多倫多大學和麥基爾大學，兩校在法律、醫學、商業及研究等學科上名列前茅；專科學校則有懷雅遜大學、協和大學，皆精於傳媒學；謝里丹學院的動畫課程享負盛名，適合投身藝術界學生，彼思、迪士尼、夢工場、盧卡斯影業、美國藝電、霍士等企業時常聘用該校畢業生。去年的嚴寒令卡加利（2.6%）和愛民頓（1.9%）的樓價變得吸引，假如
認同能源研究是未來重要議題，卡加利大學和阿爾伯塔大學正是能源領域的學術權威。
As of 2018 over 300,000 Hongkongers already held Canadian passports, and the country ranks behind only Australia as a target for both emigration and investment. Canada is looking to boost its immigration numbers in 2020 (and beyond) to keep its economy rolling, and retaining international students is part of that plan, not difficult given high living standards and progressive attitudes. Canada returned Prime Minister Justin Trudeau's Liberals to Ottawa last year, so no policy changes are imminent. Prices are levelling out and rental demand remains strong.
The bright spots for investors seeking rental returns are in emerging Montreal (up to 6%) and gateway Toronto (5%). Both are well-connected, large urban areas with a huge variety of educational options; Canada's answer to the Ivy League grew from the University of Toronto and Mcgill, both national leaders in law, medicine, business and research. Specialised schools like Ryerson and Concordia focus on media, and artistic kids will gravitate towards Sheridan College's renowned animation programme, from which Pixar, Disney, Dreamworks, Lucasfilm, EA, Fox and others recruit. Last year's cooling in Calgary (2.6%) and Edmonton (1.9%) made prices attractive for those considering a future in energy, a specialty at the Universities of Calgary and Alberta.
倫敦大學學院、倫敦政治經濟學院、列斯大學、曼徹斯特大學、伯明翰大學、愛丁堡大學、牛津大學、劍橋大學皆是世界知名學府，亦是數十年來吸引外資的重要基石。因經歷過英殖統治，香港人移民自然選擇英國，但自1997年後，兩地密切的政
治聯繫已成歷史。
倫敦是英國20年來的投資核心，但隨著基
建發展成熟，拉近各市距離，投資者已開始另覓他選。事實上，曼徹斯特、伯明翰、愛丁堡的投資成本可低至倫敦的一半，市內教學水平亦足以與其他知名學府分庭抗禮。此外，列斯是2020年另一熱門
投資地。
列斯正處於增長周期，加上四通八達，人口持續增長，租務需求節節向上。作為北部振興計劃一部分，列斯市被IP Global形容為「倫敦以外高等教育學府第二集中地，每年畢業生多達39,000名」。當中超過30,000名學生租住私人物業，許多畢業
生會留在當地發展，亦有不少租客等待子女入學後才遷出。仲量聯行預測，列斯租金增長率到2023年可達17%，超越曼徹斯
特與利物浦。
University College London, the London School of Economics, the Universities of Leeds, Manchester, Birmingham, Edinburgh, Oxford and Cambridge are among the most elite schools in the world, and they have underpinned investment in the UK for decades. The political connection the UK had with Hong Kong made them an easy choice until 1997, and now that connection has simply become historic.
Though London has been the recipient of the bulk of UK investment for 20 years, investors are starting to branch out as infrastructure development brings viable, sometimes preferred, options within reach. Manchester, Birmingham and Edinburgh offer investors prices as much as 50% lower than what can be found in London, and schools that offer educations that rival the bigger brands. Another strong choice for 2020 is Leeds.
Connected and experiencing rapid growth and a rising population, Leeds is also experiencing high rental demand. Located in the emerging Northern Powerhouse, the city’s schools anchor what IP Global describes as, “the largest concentration of higher education institutions outside London, producing 39,000 skilled graduates each year.” Over 30,000 students rent privately, the city retains many of its graduates and tenants that will help hold a property over until kids go to school are abundant. JLL projects rental growth of 17% through 2023, besting Manchester and Liverpool.
教育在香港投資者心目中有著重要地位。Education has always played an important part in where Hong Kong investors choose to put their money.