Borrison/hk-legicost huggingface dataset:
而社聯及其他民間團體營運的社會共享房屋亦已推出多個項目，亦合共提供超過600個單位，同時為住戶提供各項社會服務，例如就業支援、情緒輔導等。
Besides a number of projects with the provision of over 600 units have been introduced under the Community Housing Movement operated by HKCSS and other NGOs and they also provide various social services such as employment support and emotional counselling to the households
專責小組會繼續審視其他建議的可行性，與倡議者緊密溝通、研究及提供協助，並在合適的時間由倡議者自行公布細節。
The task force will continue to examine the feasibility of other proposals and closely communicate study and provide assistance with the proponents . The details of the projects will be announced by the proponents in due course
事實上，各項過渡性房屋措施是由不同民間團體主導和推行，匯聚社會各界力量和資源，紓緩房屋問題。
In fact various transitional housing measures are led and implemented by different NGOs . They seek to alleviate the housing problem with joint community efforts and resources
基於過渡性房屋的短期性質和項目的客觀情況不同，各個項目提供的單位或受惠的人數，會視乎項目的具體內容和推行情況而定，但無論如何，我們會繼續擔當協助和促成者的角色，持續商討在政策上如何拆牆鬆綁，增加過渡性房屋的供應。
Due to the short - term nature of transitional housing and the different objective conditions of the projects the number of units provided or the number of people benefited in each project will depend on its specific details and implementation conditions . Nevertheless we will continue to play the supporting and facilitating role explore ways to overcome obstacles related to the prevailing policies and expedite the provision of transitional housing
就過渡性房屋選址方面，地政總署的"地理資訊地圖"網頁以分區形式列出約850幅空置政府用地及其基本資料，供非政府機構考慮以短期租約形式申請租用作社區用途，包括過渡性房屋。
As regards site selection for transitional housing the GeoInfo Map web of the Lands Department LandsD publishes on a district basis a list of about 850 vacant government sites and their basic information for consideration of NGOs to apply for community purposes including transitional housing on a short - term basis
就目前提出的擬議項目可見，倡議者在初期覓地工作中，物色具潛力且附近基建設施配套成熟的用地以建造過渡性房屋。
As observed from the currently proposed projects at the initial stage of site identification the proponents would identify potential sites with mature infrastructural facilities in the vicinity for construction of transitional housing
但凡有合適的擬議項目，專責小組亦會向倡議者提供適切的協助。
If a proposed project is found suitable the task force will provide appropriate assistance to the proponent
剛才有議員提及設立平台，提供可用土地的資料，專責小組與地政總署正就適合建造過渡性房屋的初步選址與相關部門協調和研究，包括這些選址的可使用年期和基本限制等。
Earlier on a Member mentioned the setting up of a platform to provide information of the sites available for use . The task force and LandsD are currently coordinating and studying with the relevant departments about the suitability of the shortlisted sites for the construction of transitional housing including the period available for use and the basic constraints of these sites
至於撥地申請和其他安排，專責小組會協調各相關的政策局和部門，並會按不同個案的具體內容和需要作出靈活和合適的安排。
Concerning the application for land allocation and other arrangements the task force will coordinate with the relevant bureaux and departments and will come up with flexible and appropriate arrangements according to the specific details and needs of different cases
另外，政府去年重啟工廈活化計劃。
Besides the Government reactivated the revitalization scheme for industrial buildings last year
新計劃其中一項措施是，如獲專責小組支持的活化工廈作過渡性房屋的方案，政府會彈性處理規劃、地契和樓宇設計規定，包括免收作過渡性房屋指定用途而須繳付的地契豁免書費用。
One of the measures under the new scheme is that if these transitional housing projects supported by the task force are to take place in industrial buildings the Government will exercise flexibility in handling applications under planning land lease and building design requirements including charging a nil waiver fee for the specific use of transitional housing
其他政策上的鼓勵措施亦包括建築事務監督可按《建築物條例》行使權力，就整幢改裝為過渡性房屋單位的工廈，豁免若干住用建築物關於上蓋面積、地積比率、空地、通道巷與天然通風及採光等要求，條件是項目已獲非政府機構或社會企業承諾確保妥善管理及落實其他補償措施，以及就設於整幢改裝工廈的過渡性房屋計劃而發出的特別豁免書，免收地契豁免書費用。
There are also other policy incentive measures . For instance the Building Professionals may exercise their powers under the Buildings Ordinance to exempt transitional housing units provided through wholesale conversion of industrial buildings from certain domestic building requirements in relation to site coverage plot ratio open space service lane natural ventilation and lighting etc so long as undertakings are secured from the NGOs or social enterprises to ensure proper management and implementation of other compensatory measures; and waiver fees would be exempted for special waivers to be issued in connection with such transitional housing projects in wholesale - converted industrial buildings
就議員及持份者提出為過渡性房屋設立專項撥款的建議，立法會財務委員會已於2019年1月通過政府的建議，設立一個10億元的基金，以支援非政府機構進行平整閒置政府用地及修復閒置校舍作短期用途的工程。
In regard to the proposal from some Members and stakeholders of setting up a dedicated fund for transitional housing the Finance Committee of the Legislative Council endorsed a government proposal in January 2019 to set up a 1 billion fund to support NGOs in their projects of formation of idle Government land and renovation of vacant school premises for short - term uses
雖然撥款並非專為過渡性房屋項目而設，但獲專責小組給予政策支持，並且，以空置政府用地提供過渡性房屋的項目也可提出申請。
Although the fund is not dedicated for transitional housing projects it is given policy support by the task force . Besides projects providing transitional housing on vacant Government land can also apply for funding
此外，民間機構發起的過渡性房屋項目的服務目標，具體內容，以至提供服務性質各有不同，專責小組會繼續按不同個案的需要，就申請資金方面提供建議。
Moreover since the service targets specific details and service nature are varied in different transitional housing projects initiated by community organizations the task force will continue to offer advice on funding application in accordance with the needs of different cases
舉例而言，就資金需要方面，由社聯營運的社會房屋共享計劃一直獲香港公益金及社會創新及創業發展基金撥款資助運作費用。至於深水埗南昌街私人土地上推行的組合社會房屋計劃亦已獲關愛基金撥款資助。
For instance in terms of funding needs the operating cost of the Community Housing Movement operated by HKCSS has been supported by the Community Chest of Hong Kong and the Social Innovation and Entrepreneurship Development Fund while the Modular Social Housing Scheme on the private land on Nam Cheong Street in Sham Shui Po also has the funding support of the Community Care Fund
鑒於社會上有意見認為應增加政府在推動過渡性房屋方面的支援，包括政策、技術以至資源，政府現正積極考慮有關建議。
Given the opinion from the community that the Government should enhance support to promote transitional housing including policy technology and resources the Government is actively considering the proposal concerned
我在此再次邀請各位議員、各個政黨，如你們有合適可用作提供過渡性房屋的選址建議，請你們與我們的專責小組聯絡。
I would like to appeal to Members and various political parties again that if you have any suggestion concerning the suitable sites available for transitional housing please contact our task force
如項目是可行的，政府必定協助和促成倡議者落實項目。
If a project is feasible the Government will surely support and facilitate the proponents implementation of the project
千里之行，始於足下，希望大家繼續支持，讓我們共同努力，為居住在不適切居所的市民盡一分力。
As a thousand - mile journey must always begin with the first step I hope that Members can continue to give us support so that our concerted efforts can be contributed towards the benefits of the inadequately housed
代理主席，我就"增加過渡性房屋供應"議案相關的事宜回應至此。
Deputy President this is my response to the issues related to the motion of Increasing transitional housing supply
嚴重程度比我們第一天想象的還要惡劣多少倍，不單鋼筋沒有連接螺絲帽，不單沒有按圖則施工，現在連施工檢測表格、物料檢測紀錄和改動後的施工圖則也統統遺失，這不是毀屍滅跡是甚麼？
It is way more serious than what we imagined on day one . Not only were the rebars not connected with the couplers and the works not carried in accordance with the plans . Now even the Request for Inspection and Survey Checks RISC forms materials testing records and altered works plans have gone missing
港鐵公司和政府早前侃侃而談，來到立法會表示，他們一直密切監察港鐵工程，會定期巡視，監察制度完好無缺。
Earlier on MTRCL and the Government spoke with ease and assurance . They came to the Legislative Council and said they had been monitoring the works of MTR closely . They would conduct regular inspections
政府經常說，這些檢測表格是用來核實關鍵檢查點的施工質量，即鋼筋有否扭緊，檢查過有扭緊並且沒有問題後，才可以灌注混凝土，說得很完美，這個龍門是它自己定下的。
The Government kept saying that the RISC forms were used to verify the quality of works at the hold points ie . whether the rebars had been screwed in tightly . It was only after such a check and no problem was found that concreting could be conducted
當港鐵公司被判罰12碼，對方準備起腳射球的時候，發現龍門消失了，所有標準都不見了，紀錄全部消失。
When a penalty kick is awarded against MTRCL and the opposing team is about to take the shot they find that the goalposts have disappeared . All the standards have gone . All the records are missing
而負責監察這場球賽的球證是誰？
Who is the referee responsible for judging in this match? . Secretary Frank CHAN
就是陳帆局長，他是港鐵公司董事，也是運輸及房屋局局長，在他眼底下，這麼大的醜聞被揭發，而在調查期間，這麼重要的文件可以完全消失，究竟去了哪裏？
He is a director of MTRCL as well as the Secretary for Transport and Housing . Such a big scandal was exposed right before his eyes and during investigation such important documents could completely go missing . Where have they gone?
物料檢測紀錄遺失了多少呢？
How many materials testing records have gone missing?
請問建制派，市民大眾如何能相信在陳帆管理下的所有調查？
May I ask the pro - establishment camp how members of the public can believe in all the investigations under Frank CHANs supervision?
且不說港鐵公司的調查，港鐵公司找所謂獨立顧問出來表示，螺絲帽扭入六成已有足夠荷載力。
Let alone the investigation by MTRCL which found a so - called independent consultant to come forward to say that a rebar screwed into the coupler by 60 % of the full depth could already provide a sufficient loading capacity
運輸及房屋局局長陳帆是否只收取六成薪金？
Would the Secretary for Transport and Housing receive only 60 % of his salary?
怎可能容許港鐵公司找這個所謂獨立顧問說一些連3歲小孩都不相信的歪理呢？
How can we possibly allow MTRCL to engage this so - called independent consultant to advance such a specious argument which even a three - year - old would not believe? . As we can see the strategy of MTRCL in handling the whole SCL scandal is firstly denial . At first they did not admit there were these problems
大家可見，根本港鐵公司處理整個沙中線醜聞的策略，第一，是否認，最初他們不承認有這些問題；第二，是淡化，進行那些荷載測試，量度一下，便說沒有問題，而螺絲帽已扭入六成，亦沒有問題。
Secondly they are playing down the matter . They conducted those load tests took some measurements and said there was no problem . The rebars have been screwed into the couplers by 60 % of the full depth
然而，這是重大的民生議題，立法會是否應調查這些涉及重大公眾利益的醜聞？
However this is an important livelihood issue . Should the Legislative Council not probe into such scandals involving significant public interests?
這是我們根據《基本法》監察政府的重要角色。
This is our significant role of monitoring the Government accordance with the Basic Law
主席，今天面對沙中線越挖越深、越揭越醜惡的醜聞，我們是否仍然能信任運輸及房屋局局長陳帆先生，相信他能調查和處理是次醜聞？
President today facing the SCL scandal in which more ugly stories have been uncovered can we still trust Secretary for Transport and Housing Frank CHAN and believe that he is capable of investigating and dealing with this scandal?
陳帆局長昨天表示，他有責任徹查事件和追究責任，又表示自己躬身自省。
Yesterday Secretary Frank CHAN said he was duty - bound to thoroughly investigate the matter and affix the responsibility . He added that he would engage in humble introspection
我至今從沒聽到陳帆局長真的躬身自省，反而在上次辯論中，局長的說法是，立法會不應調查事件，若立法會成立專責委員會調查事件，會影響沙中線工程的進度。
So far I have never heard that Secretary Frank CHAN has done any genuine introspection . On the contrary during the last debate the Secretary said that the Legislative Council should not inquire into the issue . If the Legislative Council sets up a select committee to do so it will affect the progress of the SCL project
是我們沒有把螺絲帽扭進去嗎？
Are we the ones who did not screw in the couplers?
是立法會不按圖則施工嗎？
Is it the Legislative Council which deviated from the works plans?
是立法會把那些檢測表格毀屍滅跡嗎？
Is it the Legislative Council which destroyed those RISC forms?
他要弄清楚究竟誰要負責任才行。
He has got to find out clearly who should be held responsible
他說自己躬身自省，會徹查事件及追究責任，其實他根本是大言不慚。
He said he would engage in humble introspection thoroughly investigate the matter and affix the responsibility . In fact he was just bragging unblushingly
主席，香港衰敗至今時今日的地步，令很多香港市民非常痛心，甚至感到絕望。
President Hong Kong has degenerated to such a state today that many people of Hong Kong find it heart - rending and even feel desperate . The extent of confusing right with wrong confounding good with evil and absurdity is shocking
我們聽到很多有關過渡性房屋的寶貴意見，希望透過過渡性房屋紓緩一些現時居於不適切居所的住戶所面對的住屋困難。
We have listened to many Members expressing their valuable advice on transitional housing . They hope that people living in inadequate housing conditions can alleviate their housing difficulties through transitional housing
正如運輸及房屋局局長開場發言時提到，由運輸及房屋局副局長領導的專責小組會就過渡性房屋提供一站式的統籌支援，包括就相關的行政或法定程序向民間團體提供意見，以及協助申請合適的財政資助等。
As mentioned by the Secretary for Transport and Housing in the opening remark the Task Force led by the Under Secretary for Transport and Housing will provide one - stop coordinated support on transitional housing matters . This includes offering advice to non - government organizations on administrative or statutory procedures and assisting them in applying for suitable funding support . The Government has assisted several transitional housing projects initiated by the non - government organizations
政府在過去的一段時間內，已協助了多個由民間團體主導的過渡性房屋項目，各項目的具體細節各有不同，負責團體靈活運用社區資源，在提供過渡性房屋的同時，亦因應住戶的需要，提供適切的支援， 當中包括設置於現有閒置住宅樓宇的社會共享房屋，以及多個由不同民間團體倡議於閒置政府及私人土地上採用"組裝合成"建築法的構建。
The details of each project are different . The non - government organizations responsible for the projects have flexibly used community resources to provide transitional housing while meeting the needs of the residents and providing suitable support to them . Some such examples are social housing in existing vacant residential buildings as well as other projects initiated by different non - government organizations on vacant Government lands and private lands by using Modular Integrated Construction method
連同現時正在推行的項目，預計可以提供約900個單位，並會同時為住戶提供各項社會服務，例如就業支援、情緒輔導等。
It is expected that together with the projects now being launched about 900 housing units can be provided together with various social services such as job placement and counselling
專責小組亦正協助其他不同種類的過渡性房屋項目，這些項目位處不同地區，有些位處市區，有些則位於鄉郊地區，當中包括於閒置非住宅樓宇中改裝而成的過渡性房屋項目。
The Task Force is also assisting other transitional housing projects of different natures
代理主席，公營醫療超負荷，前線醫護壓力"爆煲"，我作為其中一分子，對於何君堯議員提出活化強制性公積金計劃，讓計劃成員可以靈活自主地使用強積金購買醫療保障的建議，我認為是相當吸引的，因為如果較多人購買醫療保險，理論上便可以減輕公營醫療的負擔我是說理論上。
Deputy President the public health care system is overstretched to the extent that the work pressure of the frontline health care personnel is on the verge of explosion . As a member of the health care system I find Dr Junius HOs proposal of revitalizing the Mandatory Provident Fund MPF by allowing scheme members flexibility and autonomy in using MPF to take out medical insurance very attractive . This is because in theory an increasing number of people taking out medical insurance should be able to alleviate the burden of the public health care system―I am saying this is what should happen in theory
現時流行說"初衷"或"初心"，如果我們返回初心，早在殖民地時代，政府已經多次研究中央公積金制度。
It is currently popular to use the terms original intention or original intent . If we return to the original intent in as early as the colonial era the Government had conducted many researches into the establishment of a Central Provident Fund system
中央公積金制度對僱員的保障較高，但政府需要承擔財政責任，長遠會對庫房構成壓力，社會存在爭議。
While a Central Provident Fund system would have provided greater protection for employees it would also have required the Government to bear the financial responsibility exerting pressure on the Treasury in the long run
最終，政府在1995年決定推行由私人營運的強積金計劃，並在2000年年底實施。
Due to the presence of controversies in society the Government eventually decided to put in place a privately - operated MPF System in 1995 . The System was then implemented by the end of 2000
強積金由僱員和僱主雙方供款，交由認可的基金公司管理，僱員在65歲時便可以一筆過提取滾存的強積金作為退休之用。
With contributions from both employers and employees the MPF schemes are managed by approved fund companies . The accumulated MPF benefits can be withdrawn in one go by an employee for retirement when he turns 65
我較年青，投身社會工作以來已供強積金。
As I am relatively young I have been making contributions to MPF since I started to work
不過，強積金實施以來備受批評，其中一個問題就是強積金的對沖機制。
However MPF has been under strong criticisms since its inception . One of the subject of criticisms is the offsetting mechanism
當初政府為了減少商界的反對聲音，容許僱主在解僱或遣散員工時，以僱主為僱員供款的部分用作抵銷遣散費和長期服務金，令強積金的功能大打折扣。
At the outset in order to reduce the opposition voices from the business sector the Government permitted employers to use part of their contributions to offset the severance and long service payments when they dismissed or laid off employees thus significantly reducing the effectiveness of MPF
在勞工界極力爭取下，上屆政府在任期結束 前終於決定逐步取消強積金對沖機制，不過當中細節和落實時間等則仍未有定案。
Thanks to the strong advocacy of the labour sector the last - term Government finally decided to abolish the MPF offsetting mechanism before the expiry of its term
但對僱員而言，這始終是個好消息，也是強積金一個重大改革。
Despite the fact that the details and timetable of implementation remain to be finalized the decision is still good news to employees . It also represents a major reform of MPF
至於強積金實施超過18年，到頭來"打工仔女"卻要蝕錢的問題，正如何議員所說，回報差是一個原因，另一個原因是行政費和管理費，不論強積金賺或蝕，基金公司也會定時收取管理費，我的強積金戶口也是這樣久不久便被扣錢的。
Another reason is the administration and management fees . Regardless of whether a profit or a loss is recorded management fees are regularly charged by fund companies . Money is deducted from my MPF account from time to time
這個問題長期被勞工界詬病，指強積金賺了錢也不夠繳交管理費，只會便宜了基金公司，批評強積金是"強蝕金"。
This problem has all along been criticized by the labour sector . They have pointed out that profits gained by MPF investments are not enough to pay management fees resulting in fund companies pocketing all the advantages
工聯會的鄧家彪便曾在上屆立法會提出關於檢討強積金的議案，但內容與今天的議案不同。
MPF has been criticized as the Mandatory Deficit Fund . In the previous term of the Legislative Council TANG Ka - piu of the Hong Kong Federation of Trade Unions moved a motion on review of MPF the contents of which were different from the motion today . Back then a number of reforms were proposed in the motion
我很贊成檢討和改革強積金，加強"打工仔女"的退休保障，而非改變強積金的用途。
I agree very much that reforms and reviews should be conducted on MPF to strengthen the retirement protection for wage earners rather than to change the usage of MPF
因為，香港一般"打工仔"的收入不高，但衣食住行昂貴，想儲錢防老絕不容易，所以強積金便變成重要的退休保障。
The reason is that the income of general wage earners in Hong Kong is relatively low but their expenses on clothing food accommodation and transportation are high . Given that saving up money for support in the old age is extremely difficult MPF has become an important source of retirement protection
針對退休保障供款被蠶食的問題，對症下藥的方法就是改革強積金，或由政府承擔更大責任，實行全民退保制度，而非容許用強積金購買醫療保險。
Targeting the problem of contributions for retirement protection being eroded the right cure to be administered is to reform MPF; or to ensure a greater responsibility to be undertaken by the Government in implementing a universal retirement system instead of allowing MPF to be used to take out medical insurance . At present the amount of MPF contribution is capped at a monthly salary of 30,000
也許有人會提出，新加坡的中央公積金也分成數個戶口，容許市民用作購買醫療保險和供樓，甚至用以支付子女的教育經費。
Someone may point out that several accounts are included under the Central Provident Fund of Singapore to allow people to take out medical insurance service their mortgages and even pay the education fees of their children . However Singapores Central Provident Fund and Hong Kongs MPF are two entirely different matters
然而，新加坡的中央公積金和香港的強積金根本是兩回事，新加坡55歲以 下僱員的每月供款是月薪20%，僱主也要供款17%，供款額遠高於香港；而且新加坡有政府成立的基金公司管理，由政府保證年利率2.5%至4%的回報，但香港卻甚麼也沒有，全部由市場決定，但市場則由數間大型基金公司壟斷。
In Singapore the monthly contribution of employees aged under 55 reaches 20 % of their monthly salary and the contribution of employers is 17 % . The amount of contribution is much higher than that of Hong Kong . Meanwhile in Singapore the Fund is managed by fund companies set up by the Government which guarantees a return at an annual interest rate of 2.5 % to 4 %
其實，大家經常將新加坡與香港比較，新加坡是一個獨立國家，但香港卻不是；而且新加坡有人口政策，香港又沒有，所以根本難以直接比較。
In fact comparisons are often made between Singapore and Hong Kong . However Singapore is an independent country; Hong Kong is not . A population policy is in place in Singapore; such a policy is absent in Hong Kong
我在立法會已經多次提出，香港是世界上最富裕城市之一，政府坐擁龐大的財政儲備，但市民的福利和保障卻遠遠落後於其他先進經濟體，住屋如是、交通如是、退休如是、醫保如是，通通也說由市場決定，政府不適宜干預市場，實際上是讓大財團賺錢。
I have mentioned in the Legislative Council more than once that Hong Kong is one of the richest cities in the world . The Government has a huge fiscal reserve . But the welfare and protection of the people in terms of housing transport retirement and medical insurance lag far behind than those of other advanced economies
正如政府以扣稅鼓勵市民購買的自願醫保，政府曾經說過會設立高風險池及規定"必定承保"的最低要求，但最後由於某些人施加壓力，政府現時已經忘記初心，取消了這兩項對高風險人士和長者很重要的最低要求，令自願醫保變成雞肋。
Take the Governments provision of tax deduction to encourage people to take out Voluntary Health Insurance Scheme VHIS policies as an example . The Government once said that two minimum requirements that is the establishment of a high - risk pool and the provision of guaranteed acceptance would be put in place . But the Government has succumbed to the pressure of certain people forgetting its original intent and removed these two minimum requirements which are most important to high - risk individuals and elderly people turning VHIS into a piece of chicken rib
代理主席，雖然我不認同何議員的意見，但我亦感謝他提出這項議案，令我們有機會檢視強積金表現差的問題。
Deputy President although I do not agree to the views of Dr HO I would like to thank him for proposing this motion which has given us an opportunity to examine the problem of unsatisfactory performance of MPF schemes
香港金融發展局在上星期四發表了《強制性公積金制度的未來路向》報告，建議增加供款額及強積金供款可以退稅，但卻沒有回應勞工界提出的改革訴求，令人擔心供款越多，便會被蠶食得越多。
Last Thursday the Financial Services Development Council released a report entitled Mandatory Provident Fund System―The Way Forward in which it proposes that the amount of contribution should be increased and tax deduction should be allowed for contributions . Nevertheless it has not responded to the demand for reforms made by the labour sector . This has given rise to the worry that the larger the amount the more contribution will be eroded
主席，數十年後的退休保障固然重要，但對於香港市民來說，最急切的問題是住屋，我們被迫"越住越細，越住越貴"。
President retirement protection several decades from now is of course important but the most urgent problem to Hong Kong people is housing . We are forced to live in dwellings that keep shrinking while the prices we pay for them keep rising
在醫 療方面，公立醫院輪候時間越來越長，醫護人手嚴重不足，越來越多醫護人員離開。
In the area of health care the waiting time in public hospitals grows longer an acute shortage of health care staff exists and more and more of them quit their jobs
主席，現在普遍市民的心願是希望有足夠儲蓄可以盡快"上車"，有瓦遮頭，成家立室，或者有一份有保有賠的醫療保障，不需要依靠四季"迫爆"、醫生護士相繼大逃亡的公立醫院。
President the peoples common wish now is to have enough savings to buy a home as soon as possible so that they can have a place to live and organize a family or to take out medical insurance that can protect them and settle claims so that they do not need to rely on the public hospitals that are congested all year round with doctors and nurses joining the great exodus in droves
主席，更加迫切和更加需要的是，面對強制性公積金制度千瘡百孔，計劃管理費昂貴，投資又欠效益，倒不如進行改革，將它靈活化，優化整個制度，容許市民可以善用有關供款，先處理首次置業和醫療保險的問題。
President what is more urgent and important is that faced with our Mandatory Provident Fund MPF System one that is afflicted with all ills with costly management fees and poor returns on investments we had better carry out reform revitalize it improve the whole system and let the people make good use of their contributions to handle the issues of buying a starter home and purchasing medical insurance
主席，我在本年1月23日討論關於青年向上流動的議題時，提出容許利用強積金供款讓青年人作首次置業的修正案，亦曾指出這是能夠協助他們和實際可行的做法，因為截至2018年9月，市民平均累積的強積金供款是197,000元，而當時政府綠表置居計劃下的麗翠苑最便宜的單位，首期只是47,000元，所以是實際可行的。
President in the discussion on the subject of upward mobility of young people on 23 January this year I proposed an amendment allowing the use of MPF contributions by young people to buy starter homes and I also pointed out that this could help them and would be a practical approach because the average accumulated MPF contributions of the people as at September 2018 was 197,000 and at that time the cheapest unit of Lai Tsui Court under the Governments Green Form Subsidized Home Ownership Scheme required only 47,000 for down payment so my method is practicable . President using MPF money to buy homes is a method that kills many birds with one stone
主席，我今次在修正案中再加入一些選擇，提供更大的自由，希望僱員可以不經強積金受託人，自行購買類似盈富基金這些被動式指數基金作為投資，而這類基金的管理費是便宜很多的。
President I have added several more options in my amendment this time in order to give everyone more freedom and I hope that employees can subscribe to passive index funds such as the Tracker Fund of Hong Kong on their own without involving any MPF trustees whereas these funds charge much lower management fees