Borrison/hk-legicost huggingface dataset:
在2019年和2020年落成的私樓中，實用面積小於20平方米的"納米單位"分別有982個和799個，佔私樓總供應約4至7個百分點。
Among the private flats completed in 2019 and 2020 there are respectively 982 and 799 nano flats with a saleable area of less than 20 sq m accounting for about 4 % to 7 % of the total supply of private flats
私樓"劏房化"的問題不單影響市民的生活空間和居住環境，而且亦與香港作為宜居城市極為背道而馳。
The problem of sub - division in private housing not only affects peoples living space and living environment but also runs counter to the objective of making Hong Kong a livable city
又以與香港差不多大的新加坡作比較，香港的私人住宅人均居住面積大約是150平方呎，但新加坡則有300平方呎，因此，我認為這種"納米樓"的不良現象是有需要處理的，否則，"越住越細，越住越貴"只會令市民的不滿增加。
When compared with Singapore which is of more or less the same size as Hong Kong the average living floor area per person in private housing is about 150 square feet sq ft in Hong Kong but the figure is 300 sq ft in Singapore . Therefore I think this undesirable phenomenon of constructing nano flats needs to be addressed otherwise it would only add to the discontent of the public when people are paying more for a smaller flat
在資助房屋方面，我建議政府要徹底分割市場，即是把私人市場和資助房屋的市場分開，從而集中資源協助夾心階層獲得居所。
On subsidized housing I propose that the Government should segregate the market completely that is to separate the private market from the subsidized housing market in order to focus resources on helping the sandwich class to achieve home ownership
事實上，現時的建屋比例為7：3，是考慮到公營房屋的需要佔多，但如果新建的七成公營單位中，原來每年都有四五千個單位將來會變成私樓，因為補地價之後便會在公開市場上銷售，這樣7：3的比例其實是形同虛設。
As a matter of fact the public - private housing split is currently set at 7col3 after taking into account the greater demand for public housing . Yet if it turns out that 4 000 to 5 000 units among the 70 % of public housing units newly built would become private housing units every year since they will be sold in the open market after a premium has been paid then the ratio of 7col3 would virtually exist in name only
事實上，政府早前回覆質詢時指出，每年大約有700至900個資助房屋單位在完成補地價手續後等同私樓。
In fact the Government pointed out in its reply to a question earlier on that about 700 to 900 subsidized housing units would be turned into private flats each year after a premium had been paid
雖然數目不是特別多，但這種趨勢和轉變會令在自由市場流通的單位不可能在居屋二手市場中轉售，因為已經售出，因而減少了有需要的家庭承接的機會和空間。
Although the number is not particularly high such a trend and change will make it impossible for flats in the free market to be resold in the Home Ownership Scheme HOS secondary market because they have already been sold thus reducing the opportunity and space for families in need to buy these flats
主席，我在2019年施政報告辯論中指出，阻礙香港發展有三座"惡山"，而三座"惡山"之中，最惡、最難處理的當然是房屋和土地的問題。
President in the debate on the 2019 Policy Address I pointed out that there are three evil mountains hindering the development of Hong Kong and among these three evil mountains certainly the housing and land problem is most evil and most difficult to deal with
當大家看到一群又一群的邊緣中產連買一間不足180平方呎的"納米樓"都成為奢望；當大家聽到一間豪華"劏房"的售價過千萬元，我認為這沒有甚麼值得高興，而是香港的悲歌。
When we see group after group of marginalized middle - class people who consider it a wishful thinking to be able to afford a nano flat measuring no more than 180 sq ft and when we hear that a luxurious subdivided unit can cost over 10 million I think this is nothing to be happy about but a sad story of Hong Kong
主席，今天很多謝謝偉銓議員提出這個十分重要的議題。
President I am grateful to Mr Tony TSE for raising this very important issue today
對於如何改革房屋政策，其實不同政黨和很多議員都提出了很多寶貴的意見，值得當局參考，我不打算重複。
Regarding how the housing policy should be reformed actually various political parties and many Members have put forward a lot of valuable views worthy of reference by the authorities and I am not going to make any repetition
民主建港協進聯盟的柯創盛議員和劉國勳議員亦已就房屋政策發表意見，由於時間有限，我今天想集中說說一批邊緣中產的慘況，反映他們的情況。
Mr Wilson OR and Mr LAU Kwok - fan of the Democratic Alliance for the Betterment and Progress of Hong Kong have also expressed their views on the housing policy . Given the time constraints I would like to focus on the plights of the marginalized middle class today and reflect their situation
主席，如果從社會階層的角度來看，我所說的這批邊緣中產，大家都很熟悉，便是一群"90後"、"2000年後"，"高不成，低不就"的朋友，他們其實有不錯的學歷，受惠於香港的教育制度的快速發展，但 由於香港經濟結構單一，上流空間越來越窄，即使他們工作多年，薪金仍然停滯不前，收入只足夠溫飽，如果要說置業，則沒有他們的份兒。
President from the perspective of social strata these marginalized middle - class people whom I am talking about refer to as we know very well a group of post - 90s or post - 2000s whose education levels are too low for high positions but too high for low ones . Thanks to the rapid development of the education system in Hong Kong actually their academic qualifications are quite good . But given the unitary economic structure of Hong Kong the room for upward mobility has become narrower and narrower
另一方面，由於他們的學歷不算低，從事的行業亦不屬於基層行業，所以，很多基層朋友享有的福利，他們都不能分享。
On the other hand since their academic qualifications are not low and the industries in which they work are not grass - roots industries they therefore are denied of a share of the many benefits enjoyed by the grass - roots workers
事實上，在香港，只要你月入超過14,500元，那麼包括公屋、鼓勵就業家庭津貼，以至之前的在職家庭津貼其實你都沒有機會領取。
In fact in Hong Kong so far as you make a monthly income exceeding 14,500 then you do not have the chance to be provided with public rental housing work incentive subsidies and even the Working Family Allowance introduced some time ago
至於居屋，雖然入息上限較高，即33,000元，但名額非常有限，近年只有幾千個，"白居二"亦只有2,500個名額。
As for units under the Home Ownership Scheme HOS despite a higher income ceiling of 33,000 the quota is very limited with just a few thousand units in recent years and only 2 500 units under the White Form Secondary Market Scheme
這些學歷不錯、"無殼"的邊緣中產，我估計大約也有100萬人。
My estimate is that there are about 1 million of these quite well educated shell - less marginalized middle - class people
數字上可以看到這情況不斷惡化。
We can see from the figures that this situation has been worsening
根據政府統計處的資料，過去10年，租住私人物業的人的比例不斷上升。
According to the information of the Census and Statistics Department the percentage of people renting private residential properties has increased continuously over the past decade
居於租住居所的家庭比例由2006年的11%增至2016年的14%。
The percentage of households renting the accommodation they occupy has increased from 11 % in 2006 to 14 % in 2016
在2016年租住私人住宅單位的家庭住戶每月租金中位數為1萬元，較10年前增加1倍。
In 2016 the median monthly rent of domestic households renting private residential flats was 10,000 which doubled the level a decade ago
大家都知道香港的租金上升得很快，這些住戶的租金與收入比例中位數為30.7%，高於10年前的25%；而居於公營租住單位的家庭住戶所支付的租金中位數，在2016年為1,500元，租金與收入比例中位數為9.3%。
We all know that rent in Hong Kong increases rapidly . The median rent to income ratio of these households was 30.7 % higher than the 25 % a decade ago . For domestic households in public rental housing units the median rent was 1,500 in 2016 while the median rent to income ratio was 9.3 %
主席，香港社會階層固化情況嚴重，單靠自身的努力，很多邊緣中產根本無法置業，亦不能改善生活。
President the social class solidification in Hong Kong is so serious that many marginalized middle - class people are actually unable to buy their own homes or improve their living simply by relying on their own efforts
他們有些很想結婚，但無法解決住屋的問題，於是便要租樓，有些人甚至被嚇怕，又或希望多儲蓄而在婚後亦要分開居住。
Some of them who wish to get married cannot solve their housing problem and have to rent a flat; and some of them are even deterred or after getting married a couple has to live separately in the hope of saving up more money
面對他們這些苦況，其實真的很"心噏"，他們亦因此而對社會和政府產生極大的怨氣。
It is most saddening and upsetting to see them being caught in such an impasse . This also explains why they have harboured extremely great resentment against society and the Government
可惜，特區政府由過去到現在都沒有刻意針對這群邊緣中產提供政策援助，以至這些朋友的怨氣無法宣泄，亦為社會埋下很多不穩定因素。
Regrettably the SAR government has not provided assistance in terms of policies specifically targetting these marginalized middle - class people and so there is no way for these people to vent their grievances thus creating many factors for instability in society
值得留意的是，大家都知道社會有一股激進力量不斷冒起，這批邊緣中產相信都是中堅人士，他們事實上是因為非常失落，而政府亦沒有適當的政策協助他們，解決他們的困難，導致他們可能訴諸極端的暴力。
It is worth noting that as we all know a radical force has kept emerging in society and this group of marginalized middle - class people is believed to be the backbone of it . In fact it is because they feel utterly lost and the Government has no appropriate policies in place to help them overcome their difficulties that they may be driven to extreme violence
主席，我很希望政府想一想，這些邊緣中產是需要有特定的政策來處理，我亦同意現時只靠"大抽獎"......
President I very much hope that the Government will think about this . It is necessary to adopt specific policies to deal with these marginalized middle - class people
短期而言，"大抽獎"是不應該一成不變的，我希望你可以用計分制。
I also agree that the mere reliance on lucky draws In the short term these lucky draws should not remain unchanged
代理主席，就今次對《議事規則》所作的修訂，我不能同意。
Deputy President I cannot agree with the amendments made to the Rules of Procedure RoP this time
這是基於3點：第一，一個議會是否一個好的議會，並非單純講求議會是否有效率。
This is based on three points First whether a legislature is a good legislature is not simply a matter of whether it is efficient
當然，人數增加，空間減少，這是一個現實的考慮，但我們不能削足就履。
Of course the increase in the number of Members and the decrease in space is a practical consideration but we should not trim our toes to fit the shoes
我的意思是：確實，人數是增加了，但正因為我們政制的改變我相信更理想的是議會才更需要把少數民意更完善地反映。
What I mean is It is true that the number of Members has increased but it is precisely because of the changes in our political system that I believe it is more desirable and more necessary for the legislature to better reflect the views of the minority in the community
這安排等同我作為議員代表草根的聲音，我沒有辦法在另外那些委員會直接成為一名委員來表達民意。
This arrangement renders me a Member representing the grass roots unable to directly serve on some other committees to express public opinion
當然，有人會指，即使並非有關委員會的委員，議員仍也有權提出意見，參與會議，但最基本的問題在於我能否提出議案，以及是否有該委員會的投票權。
Of course people may argue that even if Members do not serve on a particular committee they still have the right to express their views and participate in the meetings
歸根究底，大家可以說各委員會也只是一個政治上的表態，並無實質效果。
In the final analysis we can say that the committees are only for making a political statement but have no actual effect
從這角度來看，老實說，這些委員會的人數限制並沒有甚麼具體的政治影響，這點我是同意的。
From this perspective frankly speaking the size limit of these committees does not have any specific political implications and I agree to this
第三件事，就整項修正案而言，今次我認為......
Thirdly as far as the whole amendment is concerned this time I think About the dress code how should I put it?
該怎麼說，我不會說是不可理喻，但我不理解背後的動機，而我又不想猜測，就是關於衣着的限制。
I would not say it is incomprehensible but I do not understand the motive behind it nor do I want to make any speculation
問題不單純在於我們是否尊重議會，本質上，議員的形象可以從選舉上反映，但現在選舉可能無法反映議員的形象，於是要從《議事規則》規定議員一定要打領帶或放袋巾在胸前，以示議員還有形象和專業的體面，是這樣 嗎？
It is not purely an issue about whether we respect the legislature or not . In essence the image of a Member can be reflected in the election but now the election may not be able to reflect the image of a Member . As such the Rules of Procedure requires that a Member must wear a tie or put a pocket square in the breast pocket to show that the Member still has an image and a professional appearance is that right?
不好意思也要說，在某程度上，那反而是自暴其短，對嗎？
I am sorry but I have to ask to a certain extent is this not exposing ones shortcomings instead?
主席，首先，我特別感謝吳永嘉議員提出很好的修正案，有很好的補充意見。
President first of all I would like to thank Mr Jimmy NG for his very good amendment and very good supplemental comments
我特別留意到他提及需要培訓檢測認證的人才。
I especially noticed that he mentioned the need for training of testing and certification personnel
其實，"官產學研"缺一不可，在創新科技的研發方面，容許我補充一些意見，就是成果商品化是相當需要做的，因為只有將成果商品化，才更能讓全世界知道我們真的將科研產品落實到位。
In fact the government industry academia and research sectors are indispensable and in the area of innovation and technology research and development let me add that commercialization of results is very important because only by commercializing results can we show the world that we have really turned our research results into products
成果商品化的其中一個方式，我留意到吳永嘉議員剛才也特別提到，政府其實可以帶頭採購一些本地研發的初創產品，這一點是相當重要。
As regards one of the ways to commercialize the results I noticed that Mr Jimmy NG specifically mentioned earlier that the Government can actually take the lead in purchasing products developed by local start - ups
我在這裏亦做一些補充，關於創新科技研發的產品的將來路向的安排，我留意到今天很多同事提出了一些很好的意見，當中亦包含了這個觀點，就是香港一定要運用到與內地之間的一個協作，特別是大灣區其他城市跟我們的一些分工協作。
This is very important . I would also like to add here that regarding the way forward for innovation and technology products developed I noticed that many of my colleagues have put forward some very good ideas today which also include the point that Hong Kong must make use of the collaboration with the Mainland especially the division of labour between other cities in the Greater Bay Area and us
意思是說，如果我們有一些初創的研發產品......
In other words if we have some products developed by start - ups
主席，我只是說，對於跟內地的分工，應該要做好相關的協作。
President I am just saying that the division of labour with the Mainland should be done in a collaborative manner
特別是香港有一種說法，坊間的說法是一些測試或一些小規模的生產在香港進行，大量的量產可能在珠三角一些其他城市進行，這一亦是我們可以考慮的方向。
In particular there is an opinion in the Hong Kong community that some testing or some small - scale production can be done in Hong Kong while mass production may be done in some other cities in the Pearl River Delta . This is also a direction we can consider
總的來說，我希望大家能夠支持這項議案，亦支持吳永嘉議員提出的修正案。
All in all I hope that Members can support this motion and also support the amendment proposed by Mr Jimmy NG
單純以香港房屋委員會工廠大廈的拆遷安排為例，完全不明白究竟一個工業生態應該要有甚麼政策配套。
Take the demolition of factory estates under the Hong Kong Housing Authority HA as an example . We do not understand what kind of policy support is required for an industrial ecology
當然，我們知道，這並非與現時在席的局長相關的事項，可能與運輸及房屋局比較相關。
Certainly we know this has nothing to do with the Secretary who is now present but probably more related to the Transport and Housing Bureau
我也有一項口頭質詢在下星期立法會會議提出，但單純以房委會工廠大廈的問題為例，這的確是與賠償及拆遷安置有關，但事實上，我們基本上要問一個根本的問題，即為何當它表示要拆遷4幢房委會工廠大廈時，相關用戶和租戶的反應這麼大。
I also have an oral question scheduled for the Legislative Council meeting next week but let me just take the issue of HA factory estates as an example . This is indeed related to compensation demolition and resettlement but in fact we basically have to ask a fundamental question that is why the relevant users and tenants reacted so strongly when the Government said it would demolish four HA factory estates
只不過在過去數年，政府在政策上，在某年推出租金寬免措施，但這並不是恆常。
It is only that the Government introduced rent waivers in a year over the past few years but this is not a permanent measure
最重要的是，在香港能否找到二三百呎面積的工廠大廈鋪位做工業。
The most important thing is whether it is possible to find a unit with 200 to 300 sq ft of floor space in an industrial building for industrial use in Hong Kong
房委會工廠大廈一般面積不大，正因為不是很大，過去在香港多年來孕育出一些企業，這些企業不是微企，而是原子這麼小的企業，就是家族生意。
HA factory estate units are generally not very large in size and exactly because they are not very large they have nurtured a number of businesses in Hong Kong over the years that are not microenterprises but rather businesses as small as atoms or family businesses
現時繼承家族生意的人，可能在這些工廠大廈正在努力，這與我們現時所說的再工業化有何關係？
Nowadays those who inherit the family business may be working hard in these factory estates . What does this have to do with the re - industrialization we are talking about?
關係到這邊廂清拆房委會工廠大廈，那邊廂在科學園興建二三百呎的小型單位讓人搞創科。
The problem lies in the demolition of HA factory estates on the one hand and the construction of small units of 200 to 300 sq ft in the Science Park on the other for people to engage in innovation and technology
所以，我希望討論的是，我們的確可以抽空，說"十四五"規劃中，在整個大灣區，香港的角色是怎樣。
As such what I would like to discuss is that we can indeed take the time to talk about the role of Hong Kong in the entire Greater Bay Area under the 14th Five - Year Plan
只是小如一件事，就是房委會的工廠大廈都搞到"一鑊粥"的時候，你們說的全都是假大空。
When a trivial problem with HA factory estates is handled in such a messy way what you are talking about is all false and empty
當然，我這樣說並非想回應行政長官，但問題是不好意思，過去一年的數字顯示，貿易順差的增長與香港沒有關係。
Certainly I am not responding to the Chief Executive by saying this but the problem is that regrettably the figures for the past year show that the growth in trade surplus has nothing to do with Hong Kong
可以做甚麼才是問題。
The question is actually about what can be done
如果一直未能形成共識，落實解決辦法，不斷拖拉，最後損害的是老百姓的利益。
If there is no consensus to implement a solution and if we keep dragging our feet the interests of the people will be harmed in the end
立法會"拉布"阻撓問題現已大致解決，特區政府再沒有理由不更有效率地解決香港的住屋問題。
Now that the filibuster in the Legislative Council has been largely resolved there is no reason for the SAR Government not to solve the housing problem in Hong Kong more efficiently
作為建築、測量、都市規劃及園境界的立法會代表，我一向十分關注香港的土地房屋問題。
As a representative of the Architectural Surveying Planning and Landscape Functional Constituency of the Legislative Council I have always been very concerned about the land and housing issues in Hong Kong
我在上屆議會提出的首項議員議案，正是關於居住問題，要求政府訂定"人均居住面積"及"住屋開支佔家庭入息比例"目標。
The first Members motion I proposed in the last legislature 2013 was exactly about housing . I requested the Government to formulate a standard for the average living space per person and a standard ratio of housing expenses to household income
很可惜，當時主理房屋政策的官員並沒有採納我的建議，據悉是因為房屋供應量不足，政府唯一有做的便是其後在人口普查首次開始統計港人的人均居住面積。
Unfortunately the officials in charge of the housing policy at that time did not adopt my proposal and the lack of housing supply was said to be the reason behind . The only thing the Government did was to subsequently compile for the first time statistics on the average living space per person of Hong Kong people in the population census
對於官員的有關理由，我絕不認同。
I by no means agree with the officials reasoning
要有效解決問題，一定要有目標和指標，政府各部門才能朝着既定目標及時間表，多管齊下，覓地建屋。
To solve the problem effectively there must be targets and indicators so that government departments can work towards such targets and timetables and take a multi - pronged approach to identify land for housing construction
如果做不到便要解釋，甚至問責，否則部分官員及部門可能會慢慢做、"hea"着做，希望政府會向市民交代每年計劃提供的房屋單位。
If they fail to do so they have to offer an explanation and even be held accountable otherwise some officials and departments may do it slowly and haphazardly . I hope that the Government will explain to the public the housing units it plans to provide each year
很失望，在我的議案通過8年後的今天，香港房屋供應不止在量方面仍然短缺，很多市民更越住越細、越住越貴，樓價比2013年上升了接近六成，"納米樓"和"劏房"問題越趨普遍。
It is very disappointing that eight years after the passage of my motion not only is housing supply in Hong Kong still inadequate but many people are also living in increasingly smaller and more expensive flats . Property prices have increased by nearly 60 % compared to 2013 and the problems of nano flats and subdivided units are becoming more and more common
不少家庭要花上過半收入用作供樓或交租，不但影響生活質素，加劇貧富差距，亦令社會怨氣不斷增加，引申不少社會、政治以至管治的問題。
Many families have to spend more than half of their income on mortgage payments or rent which not only affects the quality of life and widens the wealth gap but also leads to escalating social discontent and many social political and governance problems
有鑒於此，我今天再次提出議案，促請政府全面改革香港的房屋政策，切實解決市民住屋問題。
In view of this I propose a motion again today to urge the Government to comprehensively reform Hong Kongs housing policy to practically resolve peoples housing problem
代理主席，我第一項建議，仍然是要求政府制訂"人均居住面積"指標，讓港人"住大啲、住鬆啲"。
Deputy President my first proposal is still to ask the Government to formulate a standard for the average living space per person to provide Hong Kong people with a more spacious living environment
《長遠房屋策略》只講單位數量，不講面積大小，間接助長房屋單位"納米化"。
The Long Term Housing Strategy only talks about the number but not the size of the flats which indirectly promotes the nanonization of housing units
現時出租公屋規定人均室內面積不少於7.5平方米，即約81平方呎，但對於私樓，政府並沒有訂定有關標準。
At present the allocation of public rental housing units should be based on the standard of an internal floor area of at least 7.5 sq m or around 81 sq ft per person but the Government has not set such a standard for private housing
近年，有些"納米樓"的實用面積只得100多平方呎，但往往不是一個人住。
In recent years some nano - flats have a usable area of only 100 sq ft or so but they are often not for accommodating only one person
"劏房"情況便更差，數十平方呎的單位隨時住上一家四口，連基本的生活空間也不夠。
The situation is even worse in subdivided units as it is not rare for a family of four to live in a unit of a few dozen square feet and even the basic living space is not enough
根據2016年的中期人口普查，香港人均居住面積只有161平方呎，新加坡是323平方呎，恰好是香港的兩倍，但新加坡總陸地面積只有香港六成半。
According to the 2016 Population By - census the per capita living space of Hong Kong is only 161 sq ft while that of Singapore is 323 sq ft exactly twice the size of Hong Kong . But the total land area of Singapore is only 65 % of that of Hong Kong
這反映香港房屋問題不單純是因為沒有地，而是因為政策不到位，政府對港人的居住環境及質素缺乏目標所致。
This reflects that the housing problem in Hong Kong is not simply due to the lack of land but also due to inadequate policies and the Governments lack of goals for the living environment and quality of Hong Kong people
我的第二項建議，亦是重複8年前的訴求，制訂"住屋開支佔家庭入息比例"指標。
My second proposal is a repetition of my request made eight years ago for formulating a standard ratio of housing expenses to household income
現屆政府採納了我的建議，將資助出售房屋的售價改為與市民入息掛鈎，但對於私樓樓價及租金應佔住戶入息的比率，政府則全無政策目標。
The current Government has adopted my proposal to link the sale price of subsidized housing to peoples income but it has not formulated any policy target on the ratio of private property prices and rents to household income
每隔一段時間就有調查指出，香港的樓價或住屋開支冠絕全球，根據最新的推算，香港人要不吃不喝21年才買到樓。
From time to time there will be a survey pointing out that Hong Kongs property prices or housing costs top the world . According to the latest projection it takes 21 years for Hong Kong people to buy a flat without eating and drinking
代理主席也知 道，政府的樓市"辣招"首次於2010年推出，之後多次"加辣"，至今已經11年，臨時措施彷彿已變成永久政策，但其間樓價卻繼績上升，令不少中產階層及專業人士都無法"上車"、供不起樓或變成"樓奴"。
Deputy President is also aware that the Governments harsh measures for the property market were first introduced in 2010 and have been tightened up many times . Eleven years have passed since then and the temporary measures seem to have become permanent policies . However during this period property prices keep rising making many middle - class people and professionals unable to get on the housing ladder unable to afford their mortgage payments or become mortgage slaves
部分青年人更對置業感到絕望，影響他們向上流的動力及對香港的歸屬感。
Some young people even feel desperate about home ownership which affects their motivation to move upward and their sense of belonging to Hong Kong
雖然政府有提供售價較低的資助出售房屋，協助中低收入家庭置業，種類方面亦較以前多元化，除了居屋，還有綠置居及首置盤，但數量供不應求。
Although the Government has provided subsidized housing for sale at lower prices to help low - and middle - income families buy their own homes and the types of housing available are more diversified than before including Home Ownership Scheme flats and Green Form Subsidised Home Ownership Scheme flats and starter homes the number of flats available is insufficient to meet the demand
另外，相關抽籤制度，有不少人覺得不公平，有些運氣欠佳的人，抽十次八次也抽不中，希望變成失望，失望變成絕望。
In addition many people feel that the balloting system is unfair and there are some unlucky people whose numbers have not been drawn in the ballot even after eight or 10 attempts . Their hope has turned into disappointment and disappointment into despair
部分中產家庭亦不合資格申請，但礙於現時置業按揭成數低，給不起首期，買不起私樓。
Some middle - class families are also ineligible to apply but because of the current low loan - to - value ratio they cannot afford to pay the down payment and buy private housing
我的第三項建議，就是優化置業階梯，包括改革資助出售房屋的抽籤制度，給那些多次抽籤失利的申請者有較高的中籤機會，希望政府認真考慮。
My third suggestion is to enhance the home ownership ladder including reforming the balloting system for subsidized sale housing so that those applicants who have been unsuccessful in the balloting for many times can have a higher chance of succeeding . I hope the Government will give some serious thought to this
第四項建議是檢討公屋富戶及寬敞戶政策，這兩類租戶都是公屋政策的受惠者。
The fourth proposal is to review the policies on well - off tenants and under - occupation households in public rental housing both of whom are beneficiaries of the public housing policy
前者是因為家庭收入增加，例如子女長大後出來工作，因而變成富戶。
The former is the result of the increase in household income due to for example children who have grown up and started working thus turning the tenants into well - off tenants
後者往往亦是因為子女成家立室，有能力置業或自己租樓住，令父母變成寬敞戶。
The latter is often the result of children who have started their own families and can afford to buy or rent their own homes thus turning their parents into under - occupation tenants