Harbour keeper, Julian Dapena, a former NHL player, was superb.
Hawke's Bay led 1-0 at halftime after a goal from Nick Cornwall.
Harbour scored from a penalty corner and then a field goal during the first 15 minutes of the second half. Double Olympian Greg Nicol tied the game up with a field goal with three minutes of play remaining on the clock.
Nicol scored the Bay's only goal in the shootout.
"Goals which went in earlier in the week were missing by two or three centimetres ... that's hockey," Findlay lamented.
The hosts were guilty of playing too narrow at times and trying to get the ball to Nicol when he was heavily marked. Findlay said his troops lost some structure when New Zealand Masters defender Steve Shepherd was forced from the turf with an injury.
Hawke's Bay hockey stalwart, former New Zealand men's manager Neil Edmundson, described the tournament as "one of what could have been for Bay teams."
In addition to the 40-plus men winning silver the highly fancied Hawke's Bay 50-plus men and 40-plus women's teams finished fourth.