Greetings MajinVegeta !
First of all I'd like to suggest something if
I may - all this discussion of theories currently
in the process of development should be separated
from this discussion. Further more, I think it's a
good idea to have such a separation in general
between accepted theories and incomplete theories
that are possibly wrong or misguiding. The greatest
minds on the planet are working to develop these
theories, so I believe it would be most sensible
not to question them too closely unless/until they
establish themselves as really accepted theories.
(Though prof. Hawking's popular science books can
really spark an amateur's imagination.

)
Now to the subject at hand: Hawking Radiation
particles are NOT virtual particles ! They are
real. The virtual particles we discussed earlier
are quantified fields/interactions. QM does
not have "fields" it quantifies everything including
fields - separates them into individual quanta -
wave-particles.
The particles that are momentarily created near and
outside the EH (and everywhere else in the Universe too)
are real. The difference is that near an EH the
gravitational fields are so powerful that the
"reunion" may be prevented and one of the particles
(or both) is absorbed by the BH.
Hawking radiation particles are not just photons
(EM waves), they can be any particles or anti-particles.
I do not know the likeliness of the creation of
massless particles and photons in particular as
compared to that of particles that do have rest
mass(and thus travel at less than c - light speed),
but clearly the first are sure to escape from the
vecinity of a BH if their counterpart is destroyed
while particles with rest mass will require a lot of
energy to do so. So, photons are the more important
"candidates".
Is it clearer now ?
Live long and prosper.