Solid incomes, Middle-aged to mature families, concentrated on northern of Hong Kong and downtown in Kowloon

Urban Cores are prosperous middle-aged to matured people. They earn high incomes and are well-educated. They can speak English. Many have retired. For those still working, lots of them are having management positions in industries like social and personal services, information and communications, and finance and insurance. They have mature families and likely have adult children in universities. They are domestic helpers. Most of them are homeowners and have paid off the mortgages.

Urban Cores live in relatively older private or single buildings. Representative areas include but not limited to Sheung Wan to Western District, Wan Chai to Causeway Bay, Tin Hau to North Point, East District, and Tsim Sha Tsui.

C08 Urban Matures

Middle-aged to mature workers with solid wages, relatively older urban apartments

Urban Matures are people who earn high income and possess post-secondary education qualifications. Most of them are working as white-collar jobs in industries such as public administration, education, human health, and social work. They may be teachers, educators, and health professionals. Most of them own their homes and have paid off their mortgages. Those renting houses are paying high rental cost.

Urban Matures live in relatively older but middle-upper class private apartments in urban neighbourhoods. Representative areas include but not limited to Tin Hau to North Point, East District, Hung Hom, and Mei Foo. Representative estates include but not limited to City Garden, Kornhill, Taikoo Shing, Laguna Verde, and Mei Foo Sun Chuen.

C09 Urban Harvests

Upscale middle-aged to mature family mixes, older individual buildings close to urban central

Urban Harvests are people of upscale middle-aged to mature homeowners. They may have older children or are alone or empty nesters. Most of them are towards retirement or retired. They received post-secondary education qualifications or above. Those not yet retired are earning high incomes in white-collar positions. They are senior managers and administrators in industries such as financing, insurance, real estate, professional, and business services.  Most of them have paid off their mortgages. In addition to local people, a small percentage of people are expatriates who have moved to Hong Kong recently.

Urban Harvests live in individual older urban buildings that are close to urban central, usually in a mixed commercial-residential area. Representative areas include but not limited to Sheung Wan to Western District, Wan Chai to Causeway Bay, Tin Hau to North Point, and Tsim Sha Tsui.