"I couldn't save anything," Yuen Ying-ha said. She sits on the lower bunk of a shaky iron bed, with a faded white cloth bag placed beside the pillow. She is 93 years old. She survives on Comprehensive Social Security Assistance (CSSA). She has HK$4,700 left in her bank account.“我什么都存不下来,”袁英霞说。她坐在一张摇晃的铁架床下铺,枕头边放着一个褪色的白布包。她今年93岁,靠综合社会保障援助(综援)维生,银行账户里只剩下4700港元。
Yuen is one of the tens of thousands of elderly women in Hong Kong who rely on CSSA to make a living. According to the data from the Hong Kong Social Welfare Department (SWD) for 2025, among all the elderly recipients of welfare assistance in Hong Kong, the proportion of elderly women aged 65 and above is as high as 72.3%, far exceeding the 27.7% for men. Seven of every 10 retired elderly women rely only on the government's monthly payment to live.袁是香港数以万计依靠综援维生的老年女性之一。根据香港社会福利署2025年的数据,在所有领取福利援助的长者中,65岁及以上女性的比例高达72.3%,远高于男性的27.7%。每10名退休女性中就有7人仅靠政府每月津贴生活。
Yuen began working at age 8, watching cattle in rural Shunde, Guangdong province. When she was twelve, her mother sent her to a couple who ran a tea house during the war. Studying never became something she considered. She got married at the age of 21 and lost her husband at 34. She raised five daughters all by herself. From a food factory to a restaurant, she kept working until she was 69 years old, finishing work at midnight each night. When all the years of hard work came to an end, all the income was spent on raising children and supporting the family, and she found that she had nothing left. "The money was all divided among the children," she said.袁8岁开始工作,在广东顺德农村看牛。12岁时,母亲把她送到一对战时开茶馆的夫妇那里。读书从未成为她考虑的事情。她21岁结婚,34岁丧夫,独自抚养五个女儿。从食品厂到餐厅,她一直工作到69岁,每晚午夜才收工。当所有辛劳结束时,所有收入都花在了抚养孩子和养家上,她发现自己一无所有。“钱都分给了孩子们,”她说。
Yuen's story is not rare in Hong Kong. Due to the long-term impact of systemic gender inequality, many elderly women in Hong Kong have spent their entire lives working but have no savings. Their later years have been even more poorer due to the lack of education, the responsibilities of family, and the constraints of the social structure.袁的故事在香港并不罕见。由于长期系统性性别不平等的影响,许多香港老年女性一生工作却没有积蓄。由于缺乏教育、家庭责任和社会结构的制约,她们的晚年更加贫困。
Most elderly women who have retired rely solely on CSSA to sustain their basic livelihoods and their living standards are lower than those of the overall retired population in Hong Kong. According to the data released by the SWD for the 2024-25 fiscal year, 65 and older women made up more than 60% of CSSA recipients and received an average monthly benefit of only HK$4,890, which is far below the average monthly basic living expenses standard for retired individuals in Hong Kong (approximately HK$8,500).大多数退休女性仅靠综援维持基本生活,其生活水平低于香港整体退休人口。根据社署2024-25财政年度数据,65岁及以上女性占综援受助人60%以上,平均每月津贴仅4,890港元,远低于香港退休人士平均每月基本生活开支标准(约8,500港元)。
These elderly women who rely on social assistance are mostly those who worked diligently until retirement because they were never officially included in any welfare system. The rapid economic growth of Hong Kong in the 1960s and 1970s was largely dependent on female labor. Thousands of women left the countryside and entered factories. They worked long hours in garment, toy and electronics factories, often earning low piece-rate wages with little security or benefits. When the mandatory provident fund was finally introduced in 2000, it was too late for most of them. After decades of hard work, coupled with frequent interruptions to their careers due to child care, many had almost no retirement savings.这些依靠社会援助的老年女性大多一直辛勤工作至退休,却从未被纳入任何福利体系。香港1960至1970年代的经济快速增长很大程度上依赖女性劳动力。成千上万的女性离开农村进入工厂,在服装、玩具和电子厂长时间工作,收入低微,几乎没有保障和福利。2000年强积金制度最终推出时,对她们大多数人来说为时已晚。几十年的辛劳,加上因育儿而频繁中断职业生涯,许多人几乎没有退休储蓄。
According to a 2024 survey by the Hong Kong Young Women's Christian Association, unpaid caregiving work also continues to burden many women even in old age. The survey of 930 women aged 50 to 70 found that half were still caring for family members — their husbands, parents or grown children. On average, they spent nearly six hours a day on caregiving. More than 30 percent said the burden was too heavy, and many stated that they were under great pressure. Only 38.3 percent had retirement savings. More than half stated that their savings were insufficient to sustain their lives, and 40.1% said that their living standards had declined after leaving their jobs. For those women who dedicated their working lives to factories and gave all their savings to their children, old age does not mean ease, which represents another form of unpaid work.香港基督教女青年会2024年的一项调查显示,无偿照护工作即使在老年也持续压迫许多女性。对930名50至70岁女性的调查发现,一半人仍在照顾家人——丈夫、父母或成年子女。她们平均每天花近6小时在照护上。超过30%的人认为负担过重,许多人表示压力巨大。只有38.3%的人有退休储蓄。超过一半的人表示积蓄不足以维持生活,40.1%的人表示离职后生活水平下降。对于那些将职业生涯奉献给工厂、将所有积蓄给予子女的女性来说,晚年并非意味着轻松,而是另一种形式的无偿劳动。
Leung Leung-yee, 90, a CSSA recipient, worked at Changjiang Toy Factory for more than 30 years. When she retired, she had saved a small amount of money, which was quite rare among her peers who had no savings at all. That little savings is now gone, used to support her children, a lifelong expectation for women of her generation. "Most of my spending goes to helping my son," Leung said. Her younger son is already in his sixties and due to health issues with his feet, he can only occasionally do cleaning work as a casual laborer, and his income is unstable. This mother is nearly deaf but will not consider buying a hearing aid at all. Instead, she took a portion of her social assistance funds and gave it to her divorced and unemployed younger son. Her daughter often came to visit and wanted to take her out for dim sum, but she always refused. "I think dim sum is too expensive," she said. The long-term frugality had made her even cut off her own appetite.90岁的梁良仪是综援受助人,曾在长江玩具厂工作三十多年。退休时她存了一小笔钱,这在同龄人中相当罕见,同龄人大多没有积蓄。那点积蓄如今也已花完,用来支持她的孩子,这是她那一代女性终身的期望。“我的大部分开销都用来帮儿子,”梁说。她的小儿子已六十多岁,因脚部健康问题,只能偶尔做清洁散工,收入不稳定。这位母亲几乎失聪,却完全不考虑买助听器,而是把一部分综援金给了离婚失业的小儿子。女儿常来探望想带她饮茶,她总是拒绝。“我觉得点心太贵了,”她说。长久的节俭让她甚至压抑了自己的食欲。
According to a 2021 study conducted by Lingnan University in Hong Kong on intergenerational economic support among Hong Kong families, even in their later years, Hong Kong women continue to subsidize their adult children's housing and living expenses. This kind of intergenerational transfer further depletes their already limited pension reserves. The study points out that in Hong Kong families, mothers play a significantly higher role in providing financial support for their children. The long-term gender roles have led women to habitually prioritize their personal financial needs over those of the family, ultimately increasing the risk of poverty in old age.香港岭南大学2021年一项关于香港家庭代际经济支持的研究显示,即使在晚年,香港女性仍持续资助成年子女的住房和生活开支。这种代际转移进一步消耗她们本已有限的养老金储备。研究指出,在香港家庭中,母亲为子女提供经济支持的角色远高于父亲。长期的性别角色使女性习惯性地将家庭财务需求置于个人需求之上,最终增加了老年贫困风险。
Lam Yuk-wah, a district councilor of Shatian District who also serves as the leader of the care team, noticed that among the elderly who came to receive free meals and meal boxes, 99% were women. She said that the preference for sons over daughters has led to a lack of educational opportunities for girls, which is one of the reasons why they have been trapped in poverty for a long time. According to relevant government data, among the elderly over 60 years old, the illiteracy rate for women 60 and older is nearly three times that of men the same age. "In the past, if one had the means to go to school, it was always the boys who got the chance," Lam said. Daughters had to take care of the family. No one taught them about managing money. Every penny they earned as young adults was given to the family. There was no concept of setting anything aside for their own future.沙田区区议员兼关爱队队长林玉华注意到,前来领取免费饭菜和饭盒的长者中99%是女性。她说重男轻女导致女孩缺乏教育机会,这是她们长期陷入贫困的原因之一。政府数据显示,60岁以上女性文盲率是同年龄男性的近三倍。“过去,如果有机会上学,总是男孩得到机会,”林说。女儿要照顾家庭,没有人教她们理财。年轻时赚的每一分钱都交给了家庭,从未有过为自己未来留存的观念。
Leung Hei, 93, a CSSA recipient, lives with her daughter. On the narrow room wall hangs a yellowed and old certificate, which was her appointment certificate as a committee member of the building's mutual aid association when she was young. She often helped her neighbors buy tickets and handled the money collection and change giving with toothpicks as her accounting tool: one toothpick represented one person, and the scratches on the toothpicks indicated who had paid and who still hadn't. A woman who had never learned mathematics invented her own accounting system for herself. "That's the intelligence of women," Lam said. "But they have no chance to learn, and this is the biggest reason for women's poverty."93岁的梁喜是综援受助人,与女儿同住。狭窄房间的墙上挂着一张泛黄旧证书,那是她年轻时担任大厦互助委员会委任证书。她常帮邻居买票,用牙签作为记账工具来收款找零:一根牙签代表一个人,牙签上的划痕记录谁付了谁没付。一个从未学过数学的女性为自己发明了一套记账系统。“这就是女性的智慧,”林说。“但她们没有学习的机会,这是女性贫困的最大原因。”
Longer life does not mean easier life. According to the health data report from the Hong Kong Department of Health in 2025, the average life expectancy of women in Hong Kong is as high as 88.4 years, which is 5.6 years longer than that of men. This means that women will have to spend more on medical expenses, and the impact of poverty will be further magnified. Even though senior citizens aged 75 or above in Hong Kong can receive medical fee exemptions in public clinics or hospitals in Hong Kong, the waiting times are very long. According to the 2024 annual statistics of the Hong Kong Hospital Authority, for some common specialties in public hospitals, such as orthopedics and ophthalmology, the waiting time can even exceed 24 weeks. Even for some urgent symptoms, the waiting time is about 8 weeks. "I don't like going to public hospitals," Leung Hei said. "When you're sick, you don't want to wait that long. It's very hard." Private clinics are quicker but costly, making it impossible for poor elderly women to afford it. The government gives adults 65 and older an annual HK$2,000 voucher for private medical care. A few weeks ago, Leung used her full yearly voucher on one skin appointment.更长的寿命并不意味着更轻松的生活。香港卫生署2025年健康数据显示,香港女性平均预期寿命高达88.4岁,比男性长5.6岁。这意味着女性需要花费更多医疗费用,贫困影响进一步放大。尽管香港75岁及以上长者可在公营诊所或医院获豁免医疗费用,但等候时间很长。医管局2024年年度统计显示,公立医院骨科、眼科等常见专科轮候时间甚至超过24周,即使紧急症状也需约8周。“我不喜欢去公立医院,”梁喜说。“生病了不想等那么久,很辛苦。”私家诊所快捷但昂贵,贫困老年女性负担不起。政府每年给65岁以上长者2000港元私家医疗券,几周前梁喜一次皮肤科就诊就用完了全年额度。
Senator Lam has worked in the housing estates of Sha Tin for many years. During countless home visits by the care team, she has witnessed too many cases of elderly women. Every penny they earned when they were young was given to the housing estate, but now they only have a little CSSA payment from government left. She said that the current generation of women is the last one to suffer from this kind of systematic deprivation. More importantly, the next generation of women has already begun to change. Education on money management still needs to be strengthened. It is necessary to pay attention to one's own education and personal development, and to understand that it is necessary to set aside provisions for one's later years. Their daughters have more opportunities but need to understand how to allocate and distinguish between what should be bought and what one wants to buy.林议员在沙田屋邨工作多年,关爱队无数次家访中目睹太多老年女性的案例。她们年轻时挣的每一分钱都给了家庭,如今只剩一点综援金。她说,当前这一代女性是最后一批遭受这种系统性剥夺的群体。更重要的是,下一代女性已经开始改变。理财教育仍需加强,要关注自身教育和个人发展,明白必须为晚年预留储备。女儿们有更多机会,但需要学会如何分配和区分“该买”与“想买”。
During her time as chair of the Sha Tin Women's Association, Lam also discovered that the current policies in Hong Kong did not adequately distinguish between the needs of men and women. The time that women spent on raising children and providing unpaid care was never included in any guarantee strategy. She put forward two specific suggestions: One is to improve the living environment and provide government-funded home purchases for families willing to have children, thereby alleviating the pressure on women to balance work and family life; Another is for women's physical examinations. She suggested offering a free comprehensive physical examination to each woman before marriage or before childbirth. They are promoting the establishment of specialized women's health centers to cover the health examination needs of women during different life stages such as after the age of 18, during pregnancy, and during menopause, ensuring that women's health is fully protected. Lam said that when women are healthy, many problems will be resolved automatically. She compared it to the situation where a men's restroom only needs three stalls, but a women's restroom requires four because the physiological structure is different. Simply speaking equality sometimes cannot solve the problem, the targeted handling is necessary.在担任沙田妇女协会主席期间,林还发现香港现行政策未能充分区分男女需求。女性花费在育儿和提供无偿照护上的时间从未被纳入任何保障策略。她提出两项具体建议:一是改善居住环境,为愿意生育的家庭提供政府资助购房,减轻女性平衡工作与家庭生活的压力;二是女性体检,建议为每位女性在婚前或产前提供一次免费全面体检,推动设立专科妇女健康中心,覆盖18岁后、孕期、更年期等不同阶段的健康检查需求,确保女性健康得到充分保障。林说,当女性健康时,许多问题会自动解决。她比喻说,男厕只需三个厕格,女厕需要四个,因为生理结构不同。单纯讲平等有时无法解决问题,必须针对性处理。
"I have HK$4,700 in my bank account," Yuen Ying-ha said. This was the entire savings accumulated over a lifetime for a woman in Hong Kong.“我银行账户里只有4700港币,”袁英霞说。这就是一位香港女性一生积累的全部积蓄。