Middle-aged families with kids, steady incomes, subsidized estates homeowners

Worry-free Families consist of middle-aged families with steady family incomes. They are homeowners of government-subsidized housing program, i.e. Home Ownership Scheme (HOS). They tend to have small family sizes. Majorities are Chinese. Lots of them have post-secondary qualifications. They are working staff in various industries. They are likely clerical support or operational workers in industries like transportation, storage, and postal and courier services. In general, they have mortgages with monthly mortgage payments usually less than HK$10,000 per month.

Worry-free Families live in government-subsidized housing estates throughout Hong Kong, Kowloon, and the New Territories. The government-subsidized housing programs provide flats at a discount of market prices to people with limited income ceilings.

E13 Urban Stability

Steady incomes, relatively young families, top subsidized estates

Urban Stability are young families living in government-subsidized housing estates. The families usually have kids and rely on domestic helpers or grandparents to take care of their kids. They own their subsidized apartments with mortgages. With mainly secondary education and some people having higher education level, they usually have occupations at mid-level income such as associate professionals and clerical support or operational workers in various industries.

Urban Stability live in urban government-subsidized housing estates located at Hong Kong and Kowloon side, built mainly in the 1990s. Representative areas include but not limited to Eastern District, Ho Man Tin, Mong Kok, Kowloon Bay, and Tseung Kwan O. Representative estates include but not limited to Kornhill Garden, Chun Man Court, Charming Garden, Rhythm Garden, and Bauhinia Garden.

E14 Solid Economy

Older families with older/grown-up kids, typical subsidized estates around the cities

Solid Economy are slightly older middle-aged, middle-income households with older/grown-up children. They own their government subsidized apartments. Due to limited secondary to primary educations levels, people in this segment are Hong Kong Chinese who speak Cantonese, Putonghua, and other Chinese dialects. Most of them have paid off or almost paid off their mortgages. They travel to work by the MTR or public light bus.

Solid Economy live in relatively older government-subsidized housing estates located mainly in urban areas of Hong Kong and Kowloon side. Representative areas include but not limited to Cheung Sha Wan, Wong Tai Sin, Tsz Wan Shan, Sau Mau Ping, and Tseung Kwan O. Representative estates include but not limited to Yee Kok Court, Lung Poon Court, Tsz Oi Court, Hiu Lai Court, and Kwong Ming Court.

E15 Mid-Range Convention

Middle-aged families, many with older teenagers/grown-up kids, subsidized estates, relatively apart from the cities

Mid-Range Convention are middle-aged middle-income households with youngsters or grown-up children. They own their subsidized living apartments. Having at least secondary education, they have occupations likely as associate professionals and clerical support or operational workers with a higher proportion in industries such as transportation, storage, postal and courier services, public administration, education, human health, and social work activities. People in this segment are mainly Hong Kong Chinese who speak Cantonese, Putonghua, and/or other Chinese dialects. Their monthly mortgage payment is usually less than HK$10,000 per month. They travel by bus or other public transportation to work.

Mid-Range Convention live in government-subsidized housing estates located in suburban areas or satellite cities that are on the edge of urban areas in Hong Kong, Kowloon or the New Territories. These areas include but not limited to Aberdeen, Wong Tai Sin, Shun Lee, Ma On Shan, and Fo Tan. Representative estates include but not limited to Yue On Court, Tin Ma Court, Shun Chi Court, Kam Fung Court, and Sui Wo Court.

E16 Suburban Skilled Workers

Young to middle-aged blue-collar families with kids, suburban subsidized estates

Suburban Skilled Workers are young to middle-aged people having families with young kids. They rely on either full-time mothers or grandparents to take care of their kids. They own their subsidized apartments and have mid-level incomes. Having secondary education, their occupations include craft and related workers, plant and machine operators and assemblers, and clerical support or operational workers in the fields like manufacturing, transportation, storage, postal and courier services, public administration, education, human health, and social work activities. People in this segment are mainly Hong Kong Chinese and generally Cantonese speakers. The monthly mortgage payment is usually less than HK$6,000 per month. They travel by MTR, light rail, or other public transportation to work.

Suburban Skilled Workers live in suburban government-subsidized housing estates located in the New Territories. Representative areas include but not limited to Tai Po, North District, Yuen Long, Tuen Mun, and Tin Shui Wai. Representative estates include but not limited to Tai Po Plaza, Yuk Po Court, Fung Ting Court, Lung Mun Oasis, Siu Hong Court, and Tin Shing Court.