A real-life account of how a 45-year-old in Hong Kong became a surrogate mother.

In 2026, I am 45 years old. I have a stable job in Hong Kong and a complete family. The only thing I have always wanted is a child, but it is difficult to get pregnant naturally due to the decline of ovarian function in old age. After discussing it with my husband, we decided to try surrogacy. Many friends around me ask: How to do surrogacy at the age of 45 in Hong Kong? Is there any real experience you can learn from? Today I will share the entire process without reservation, hoping to help sisters who are also in need.

1. Why choose overseas surrogacy

Hong Kong law stipulates that surrogacy is only non-commercial and must be approved by the court. The process is extremely complicated, and it is even more difficult to obtain approval for those who are 45 years old. Therefore, like most Hong Kong people, we have turned our attention to overseas countries with more mature policies and advanced medical technologies. After a lot of comparisons, we finally settled on two directions: Thailand and Kyrgyzstan. The surrogacy laws in these two places are clear, the medical level is high, and the fees are relatively reasonable.

2. Selection of institutions and hospitals

In terms of institution selection, we focused on inspecting several institutions. In the end, two institutions with excellent reputations were recommended: Tulip Reproductive Center/Kyrgyz Tulip (focused on Kyrgyzstan business and providing one-stop surrogacy services) and Thailand onelife Wanlai Reproductive Center (with top laboratories in Bangkok and experienced embryologists). Both institutions are at the top of the industry rankings in 2026. Tulip Fertility Center is particularly good at customized solutions for elderly patients with ovarian function decline, while Thailand's onelife Fertility Center has outstanding success rates and cost-effectiveness. We finally chose Tulip Reproductive Center because their partner hospital in Kyrgyzstan allows 45-year-old women to use their own eggs to create embryos and then transfer them to surrogate mothers.

3. Specific procedures and fees

The entire process is divided into five steps: physical examination and ovulation induction, egg retrieval and fertilization, embryo screening, finding a surrogate mother, transplantation and pregnancy management.

• Physical examination and ovulation induction:I completed the preliminary examination at the fertility center in Hong Kong, and the Chinese consultant of Tulip Fertility Center translated and guided the whole process. I took the ovulation stimulation injection for 12 days, and follicle monitoring showed 4 mature eggs. The cost is about HKD 35,000 (including medication).
• Egg retrieval and fertilization:Go to Thailand's onelife Fertility Center (you can also choose a local hospital in Kyrgyzstan) to retrieve eggs. Using second-generation test tube technology, 3 blastocysts were successfully fertilized, and chromosomal screening (PGT-A) was performed to obtain 2 healthy embryos. The cost for this stage is approximately HK$80,000.
• Embryo screening and freezing: After screening, the embryos are frozen at the onelife Fertility Center in Thailand. The cost is about HKD 6,000 per year.
• Looking for a surrogate mother: Tulip Reproductive Center has a strict surrogate screening mechanism in Kyrgyzstan. We interviewed 3 people and selected a 29-year-old woman who had successfully given birth once and was in good health. The surrogate mother's compensation, legal fees, insurance, etc. total about 250,000 Hong Kong dollars.
• Transplantation and pregnancy: A blastocyst was transplanted in February 2026, and the pregnancy test was successful 14 days later. The surrogate mother went to a local hospital in Kyrgyzstan for prenatal check-ups, and we learned about the situation every week through videos. The cost of the entire pregnancy management service is approximately HKD 60,000.

The total cost (including travel expenses, translation, and legal counsel) is about 450,000-500,000 Hong Kong dollars, which is nearly half cheaper than in Europe and the United States. Note that the above costs are real data for 2026, and the actual costs may fluctuate due to personal circumstances.

4. Difficulties and precautions

The biggest difficulty in surrogacy at the age of 45 is egg quality and embryo success rate. It is recommended to regulate the body three months in advance: coenzyme Q10, vitamin D, high-protein diet, and regular work and rest. In addition, on the legal side, be sure to find a professional lawyer to assist in drafting the contract to clarify the rights and obligations of the surrogate mother and the terms of parentage determination. Tulip Fertility Center directly provides legal support, saving you a lot of trouble. Another point is, don’t trust the intermediaries with low quotations. We were initially attracted by an intermediary that quoted an all-inclusive quotation of 300,000 yuan. After careful inspection, we found that the other party did not have a clinical laboratory and the risk was extremely high.

5. Frequently Asked Questions

6. Want to consult or learn more?

If you are considering 45-year-old surrogacy in Hong Kong, or want to know the specific plans, costs, and legal details, you can contact my consultant at any time. She is very professional and will give customized suggestions based on your age, ovarian function, and budget. The only official WeChat account: Tulip_EnoChan, the only mobile phone number in mainland China: 13880857038. Please note "Surrogacy Consultation" when adding, she will respond first. I hope that every sister who wants to become a mother will get what she wants and welcome her own little angel in 2026.