YMCA year one or CAIS grade one?

torunpoland

What YMCA do you refer to here?

If you mean SWCS YMCA of Hong Kong Christian School, I may say it is not an international school.

torunpoland

Understood how u are caught in the dilemma! So, when money is an issue, it will keep its being until CAIS changes it's debenture scheme (which looks rather unlikely), or your family finance has significant change (which you know better than any of us). Kids education is no doubt important, but your plan B (YMCA) is not that bad if plan A would put your family into a very bad status in terms of money. So, don't let the current lottery-feel offer blind your judgment - for short and long run.