Please help: HEC MIF vs HSG (St. Gallen) MBF (non-EU student)

Hi guys, sorry for the longer post in advance. Thankfully, I have received offers from both schools, which I am very grateful for. Applied to a couple more, but these are my main targets. I have about 10 days to make a decision, and any help or insight is greatly appreciated!

My profile: Non-EU undergrad. CFA L1. 2-month equity research internship + 4-month consulting internship (local boutique firm). Will do 1 or 2 more internships before the program starts in September. Fluent in English, studied German in school (am probably around A2 after a little bit of practice), no other major EU languages. My main goal is to work in PE/private credit, ideally in Zurich, speaking English. Not targeting London at all, as I am really not a fan of the city. 

I will list some pros and cons about each program, from my view, as well as costs. Focus will be on the differences. Both programs are customizable and have a similar cohort size.

1. HSG MBF (11k tuition  + 27k living costs for 18 months = 38k EUR total)

Pros: 

• Flagship programme, arguably the best for recruiting in Zurich (my target)
• HSG has an incredibly strong reputation in Switzerland
• 18 months, which gives me 2 opportunities to recruit for the summer
• Easier to get a summer internship in Zurich with a Swiss visa
• Potential to do an exchange at another great university and live somewhere else for 6 months
• HSG Banking Days - extremely strong recruiting event
• Strong placement in London as a backup, if I don't succeed in the Zurich/Swiss market
• Potential to work part-time - paid very nicely + useful work experience
• Cheaper

Cons:

• No student housing on campus
• The opportunities and network skew toward German speakers (I will continue learning, but there is no chance I can become fluent in Swiss German by the end of the program).
• The cohort is less international than HEC MIF, which could potentially affect networking opportunities
• St. Gallen as a city looks nice, but I doubt that the quality of student life can compare to campus life + Paris
• Less practical and more academically focused than HEC?

2. HEC MIF (30k tuition after scholarship + 15k living costs for 10 months = 45k EUR total)

Pros:

• Probably the highest-ranked MIF in Europe, after Oxford
• #1 finance master in the world 2026 by QS
• Very strong focus on recruiting and outcomes, the school will do its best to help students get fantastic interview opportunities
• Living on campus, I think, provides unmatched networking and student life
• Very international cohort, and the university in general
• Near Paris
• Practical focus, not that academically rigorous

Cons:

• 10 months means only one opportunity to recruit for the summer, which basically starts in September, as soon as the program begins
• The great majority of students (I would assume 90%+) who speak only English are placed in London (please correct me if wrong)
• Less prestigious than HSG for the Swiss market?
• No time to do an exchange and explore another country
• More expensive 

I haven't been able to find any information about HEC's reputation and placement in Switzerland. I would assume it's strong like in the whole of Europe, but I doubt it can match HSG. I think student life will definitely be better at HEC, but when looking at placements, HSG places almost as well in London and gives me better chances for Switzerland. Please correct me if I am wrong here.

My biggest priority when making this decision is opportunities and placement after completing the program. Second is networking, student life, and enjoyment. Costs are last, considering the small difference, and could even be completely ignored.

Lastly, I am aware that my goal of working in Zurich with just English and a non-EU passport is quite optimistic to say the least. However, I do come from a third-world country, and I think if I can secure a spot at a top MIF, I can also get a job in Switzerland. It will be extremely difficult, but I will give it my best. Thank you to everyone who responds and contributes.