If I were you, I will choose public hopsital. You have so many things to consider.
1 If you have瘤, the spending may totally out of your expectation. I get a cough and I born my BB in private(開刀), the coughing drug cost me HKD120ar.bb照燈都2千幾
2 My friend CS in Queen Mary Hopsital, her husband can get inside.(半痲) It only cost her around 500 jor wor. However, if you go to private hopsital, it will cost you more than 50,000 wor. Save more money.
Also, because of many mainland mummy, you may need to live in private room which cost you near 100,000. Is it worth?
3. However, If money is not your concern. Private hospital has good service. They don't have limited of visiting hr(i.e your husband can stay with you) etc.