Have u considered 儲臍帶血 for your bb? If you'll stay in 私家醫院, you can join Cryolife. I think it's worthwhile as an insurance to your bb at least for the first 5 years. In future if you don't need it, you can donate to those in need, making life more meaningful.
You can PM me for more info. I've joined its 5-year plan. But please register at least one month before your due date, otherwise extra fee will be charged. If you really decided to join Cryolife, you can quote my membership no. 2005126028 and get $500 discount.