Settling Down Choices for International Students: A Comparison of Hong Kong and Shanghai Policies | 留学生落户选择：香港与上海政策对比

📚 Settling Down Choices for International Students: A Comparison of Hong Kong and Shanghai Policies | 留学生落户选择：香港与上海政策对比

For many international students graduating from prestigious universities worldwide, the decision of where to launch their careers is as important as the degree itself. Hong Kong and Shanghai, both globally recognised financial centres and gateways to Asia, have rolled out aggressive talent attraction policies aimed at retaining highly skilled graduates. This article provides a comprehensive comparison of the two cities' settlement schemes, covering eligibility, visa pathways, permanent residency, tax incentives, and family benefits, helping you make an informed choice about your future home.

对许多从世界知名大学毕业的留学生而言，选择在哪里开启职业生涯与学位本身同样重要。香港和上海同为国际公认的金融中心和亚洲门户，近年来纷纷推出积极的人才引进政策以留住高技能毕业生。本文全面比较两地的落户计划，涵盖申请资格、签证途径、永久居留、税收优惠和家属福利，助你为未来家园做出明智选择。

1. Overview of Talent Attraction Schemes | 人才引进计划概览

Hong Kong's flagship schemes include the Top Talent Pass Scheme (TTPS), the Quality Migrant Admission Scheme (QMAS), and the Immigration Arrangements for Non-local Graduates (IANG). The TTPS targets high earners and graduates from the world's top 100 universities, while IANG allows non-local students who have obtained a degree in Hong Kong to stay and work. Shanghai, on the other hand, operates a point-based household registration (hukou) system with fast-track channels for overseas graduates, particularly those from highly ranked institutions. The city's "Talent 30" policy package further simplifies the process.

香港的主要人才计划包括高端人才通行证计划（TTPS）、优秀人才入境计划（QMAS）和非本地毕业生留港/回港就业安排（IANG）。TTPS 面向高收入人士和全球百强大学毕业生，而 IANG 允许在港获得学位的非本地学生留港工作。上海则实行积分落户制度，并为留学回国人员开通了快速通道，尤其优待顶尖院校毕业生。该市最新推出的"人才30条"政策包进一步简化了流程。

2. Graduate Eligibility Criteria | 毕业生申请资格

Under Hong Kong's TTPS Category B, an applicant must have completed a bachelor's degree or above at a university ranked in the top 100 of designated world university rankings in the past five years. The IANG scheme covers any non-local fresh graduate with a full-time locally accredited undergraduate or higher degree. Shanghai's overseas returnee hukou channel generally requires a bachelor's degree or above from a recognised foreign institution, with additional weight given to those whose universities appear on global top 500 lists. A minimum of 180 days of overseas physical residence is also mandated for the degree to qualify.

香港 TTPS 的 B 类要求申请人在过去五年内获全球百强大学颁授学士或以上学位。IANG 计划则涵盖任何持有香港本地认可全日制本科或更高学位的非本地应届毕业生。上海的留学回国人员落户通道通常要求申请人具备境外认可院校的学士及以上学位，且对全球前 500 名高校毕业生给予额外加分。该学位还需满足至少 180 天的境外实际居住要求才能获得资格。

3. Institutional Background Requirements | 院校背景要求

Hong Kong places a heavy emphasis on the "top 100" concept. The government publishes a consolidated list aggregating the QS, Times Higher Education, US News & World Report, and Shanghai Ranking top 100 universities. In contrast, Shanghai's point-based system assigns higher scores to graduates of the world's top 50 universities, allowing direct hukou application without a point assessment, while top 51–100 university graduates receive a simplified assessment. Both cities recognise degrees from renowned institutions, but Shanghai's approach offers more granular differentiation.

香港高度强调"百强"概念。政府发布一份综合名单，汇集了 QS、泰晤士高等教育、U.S. News 和软科世界大学排名中的百强大学。相比之下，上海的积分制度对世界排名前 50 院校的毕业生给予最高分，可直接落户免积分评估；前 51–100 名院校毕业生则适用简化评审。两座城市均认可知名学府的学位，但上海的方式提供了更精细的区分。

4. Types of Visas and Permits | 签证与许可类型

In Hong Kong, successful TTPS and QMAS applicants receive a 24-month visa with no mandatory employment offer, after which they can extend under the general employment policy or IANG. IANG graduates get a 24-month non-conditional stay. Shanghai issues a "Residence Permit for Talents" (Category B) or direct hukou approval. The Shanghai residence permit serves as the stepping stone to full hukou, which grants access to local public services including education, healthcare, and housing purchase rights.

在香港，TTPS 和 QMAS 获批者可获得 24 个月的签证，无强制工作邀约要求，之后可通过一般就业政策或 IANG 延期。IANG 毕业生获发 24 个月无条件逗留签注。上海则签发"上海市人才类居住证"（B 类）或直接批准落户。上海居住证是获取正式户口的跳板，户口赋予持有人包括教育、医疗和购房资格在内的本地公共服务权利。

5. Employment and Income Thresholds | 就业与收入门槛

Hong Kong's TTPS Category A requires an annual income of at least HK$2.5 million. For IANG and other categories, there is no income floor, but renewal depends on genuine employment or business establishment. In Shanghai, the hukou pathway for overseas graduates typically requires a minimum monthly salary, historically set at around 1.5 times the city's average wage, and continuous social insurance contributions for six months. However, graduates from top 50 universities are often exempted from the salary multiplier requirement.

香港 TTPS 的 A 类要求年薪至少达 250 万港元。IANG 及其他类别无收入下限，但续签取决于真实受雇或在港成立企业。在上海，留学回国人员落户通道通常要求月薪不低于本市上一年度社会平均工资的 1.5 倍，并连续缴纳六个月社保。但排名前 50 院校的毕业生通常可豁免该薪资倍数要求。

广告 / Sponsored

6. Path to Permanent Residency | 永久居留途径

Hong Kong offers a clear 7-year continuous ordinary residence pathway to permanent residency and right of abode. No specific salary, investment, or property ownership is required. Once permanent residency is obtained, one can apply for a Hong Kong SAR passport. Shanghai's hukou is effectively permanent once granted, but the conversion from a residence permit to hukou depends on meeting point thresholds. For overseas graduates, the fast-track process can lead to hukou within 6–12 months after starting employment in Shanghai.

香港提供清晰的连续通常居住满七年即可获得永久居民身份及居留权的路径。无需特定薪资、投资或房产要求。获得永居后可申请香港特区护照。上海的户口一旦获批即为永久性质，但从居住证转为户口需满足积分要求。对留学生而言，快速通道可使他们在沪就业后 6 至 12 个月内取得户口。

7. Family and Dependants Policy | 家属随行政策

Hong Kong allows successful applicants to bring their spouse and unmarried dependent children under 18 as dependants. These dependants enjoy the same length of stay and can work or study without additional permission. In Shanghai, hukou can typically include the spouse and children if the principal applicant meets the criteria, but the spouse's own hukou may require a marriage duration of at least 10 years and age 35+ if relying on the local spouse's hukou. For overseas returnees, dependants are often included from the start.

香港允许成功申请人携配偶及 18 岁以下未婚受养子女来港。受养人享有同等逗留期限，并可自由工作和读书，无需额外许可。在上海，户口通常可连带配偶和子女，但若配偶随迁，需满足结婚满十年且年满 35 周岁的条件，不过留学回国人员通常一开始即可随迁家属。

8. Tax Incentives and Housing Benefits | 税收优惠与住房福利

Hong Kong's low and simple tax regime, with a maximum salaries tax rate of 17% and no VAT or capital gains tax, remains a major draw. The government also offers a tax deduction for qualifying rent or home loan interest. Shanghai provides personal income tax subsidies for high-level overseas talents, effectively reducing the actual tax rate to 15%. In addition, Shanghai offers housing subsidies, rental allowances, and preferential access to government-subsidised rental housing for returnee graduates.

香港的低税率简单税制仍是巨大吸引力，薪俸税最高税率 17%，无增值税和资本利得税。政府还为符合条件的租金或住宅贷款利息提供税务扣除。上海则对高层次海外人才提供个人所得税补贴，实际税负可降至 15%。此外，上海为留学回国毕业生提供住房补贴、租房津贴及优先申请公共租赁住房等福利。

9. Application Process and Processing Time | 申请流程与处理时间

Hong Kong's IANG application is submitted online or by post, with a processing time of approximately 2 weeks for graduates present in Hong Kong. TTPS applications are also processed swiftly, often within 4 weeks. Shanghai's hukou process requires pre-qualification review, online submission, physical document verification, and final approval, taking 2–3 months on average. The entire procedure is now largely digitised via the "Shanghai Talent Service Platform".

香港的 IANG 申请可通过网上或邮寄提交，在港毕业生的处理时间约两周。TTPS 申请同样迅速，通常在四周内完成。上海的落户流程需经过预审、网上提交、现场交验材料和最终审批，平均耗时 2 至 3 个月。目前全流程已基本通过"上海人才服务"平台数字化办理。

10. Recent Policy Updates and Trends | 最新政策更新与趋势

Hong Kong expanded its TTPS university list to 185 institutions in 2024 and introduced a new Capital Investment Entrant Scheme. The IANG scheme's non-local graduate scope was expanded to include graduates of Hong Kong's universities' campuses in the Greater Bay Area. Shanghai, in 2025, further relaxed the social insurance requirement for top 50 graduates and increased the settlement quota for specific industries like AI and biomedicine, reflecting a targeted approach to industrial strategy.

香港在 2024 年将 TTPS 大学名单扩展至 185 间，并推出了新的资本投资者入境计划。IANG 的范围扩大至涵盖香港高校在大湾区校园的毕业生。上海则在 2025 年进一步放宽了前 50 院校毕业生的社保要求，并增加了人工智能和生物医药等特定行业的落户名额，体现出与产业战略结合的目标导向。

11. Pros and Cons: Hong Kong vs Shanghai | 优劣势对比

Hong Kong excels in its simplicity, international finance career opportunities, and straightforward 7-year permanent residency path. Its common law system and English-language environment may appeal more to returnees from Western countries. However, high living costs and smaller domestic market present challenges. Shanghai offers a deeper integration into China's vast domestic market, affordability in comparison, and a fast hukou path for elite graduates. Yet bureaucratic complexity and the mandatory social insurance process can slow things down.

香港的优势在于程序简单、国际金融就业机会丰富以及清晰的七年永居路径。其普通法体系和英语环境可能更吸引西方国家的留学人员。然而高昂的生活成本和较小的内需市场构成挑战。上海则能更深融入中国庞大的内需市场，成本相对较低，且给精英毕业生提供快速落户路径。但行政手续的复杂性和强制性社保流程可能拉长办理时间。

12. Making an Informed Choice | 如何做出明智选择

When choosing between Hong Kong and Shanghai, international students should consider their career industry, salary potential, cultural adaptation, and long-term family plans. Those targeting financial services, asset management, or startup-friendly professional services often lean toward Hong Kong. Graduates in tech, manufacturing, or roles tapping into the domestic Chinese economy may find Shanghai's ecosystem more rewarding. Review the latest institutional lists for TTPS and Shanghai's world top 100 university policies, and consult immigration experts to avoid missteps in documentation timing.

在香港与上海之间抉择时，留学生应考虑自身的职业行业、薪酬前景、文化适应性和长期家庭规划。瞄准金融服务、资产管理或对初创友好的专业服务者往往倾向香港。而在科技、制造业或依赖国内经济的岗位毕业生，可能会发现上海的生态更具回报。查阅最新的 TTPS 大学名单和上海世界百强政策，并咨询移民专家，避免在材料时间节点上出现失误。

Published by TutorHao | General Education Series | aleveler.com

更多咨询请联系16621398022（同微信）