Borrison/hk-legicost huggingface dataset:
所以，很多時候，居屋價格實在太高，很多市民根本無法負擔。
It turned out that in many cases the prices of HOS flats were so high that they have gone beyond the affordability of many members of the public
第三，市區重建局應該停止扮演發展商的角色。
Third the Urban Renewal Authority URA should cease playing the role of property developer
我們經常批評市建局擔當豪宅承建商，有違當初成立市建局的原意。
We always criticize URA for acting as the contractor of luxury properties which is contradictory to the original intent of establishing URA
第四，應該對空置土地和物業徵稅，以杜絕本地和外地炒家囤積土地或樓宇。
Fourth taxes should be levied on vacant land and properties to eradicate the hoarding of land or buildings by local and foreign speculators
這樣將可有效地釋放大量空間，長遠而言有助降低樓價。
This may effectively release plenty of spaces and help lowering property prices in the long run
第五，放寬公屋的戶籍政策，鼓勵年青人與家人同住。
Fifth the household policy of PRH should be relaxed to encourage young people to live with their families
這樣做亦能有效地令很多人繼續有地方居住。
This is also an effective way to enable more people to continue to have a place to live
如果真的要買樓，是否受到政府，以至地產商向我們灌輸的錯誤思維所影響？
And even if we think there is such a need is this some kind of wrong belief instilled in us by the Government or even property developers?
其實，住屋需求和置業需求往往是兩回事，但很多人都不明白，因為我們有"病"。
In fact the demand for housing and the demand for home ownership are often entirely different but many people just fail to get that . The reason is because we have all fallen sick
我相信很多時下年青人，特別是想結婚的男士應該感同身受。
I trust that nowadays many young people particularly those who want to get married do share the same feeling
問題是，一個健康的社會，從來不應該有這套價值觀，政府更不應該用太多時間和心力滿足所謂置業需求。
The point is no healthy society should tolerate such value judgment . What is more no government should spend too much time and effort in meeting the so - called demand for home ownership
我們希望政府未來開發新土地及新市鎮時，可以考慮社會房屋這種概念，以解決香港的住屋需要。
We hope that when the Government develops new land and new towns in the future it will consider using the concept of social housing to meet the housing needs of Hong Kong
政府應該牽頭建立房屋不是炒賣的商品，而是人的基本權利的概念。
The Government should take the lead to establish the concept that housing is not a speculative commodity but the basic right of human beings
所以，在今早會議上完全沒有涉及周議員所說有關撥款申請的問題，我希望周議員能夠小心看清楚今早討論的內容和細節。
Thus issues mentioned by Mr CHOW regarding the funding applications were definitely not raised in the meeting this morning . I hope Mr CHOW could have a clear picture about the contents and details of the discussion this morning
第一是有關棕地的運用。
The first point is about the use of brownfield sites
然而，我在不同場合亦曾向局長表示，即使當局不能即時引用《收回土地條例》，但是否應該先進行一次有關土地的凍結調查，讓政府能夠更清楚掌握某幅棕地上的作業處於甚麼狀態？
Nonetheless as I told the Secretary on a number of occasions although the Lands Resumption Ordinance Cap . 124 cannot be invoked immediately is it possible for the authorities to conduct a freezing survey on the relevant sites first so that the Government can have a clearer picture of the state of undertakings on a particular brownfield site?
如何善用公屋住戶資助政策，以維護公屋資源合理分配和妥善運用，確保被政府驅趕的租戶確實有能力在外間另覓居所？
How can the authorities make good use of the housing subsidy policy to safeguard the rational allocation and proper utilization of PRH while ensuring that tenants driven out by the Government can really afford alternative accommodation?
如果當局未能提供有效答案，大家難免會認為，這只不過是為了"交數"和"做數"而制訂的政策。
If the authorities fail to give good answers to these questions people cannot help but think that the new policy is merely introduced to make the numbers look better or to fulfil the pledged target
實際上，在制訂政策後，居民自然會有所反應；正如很多同事在不同場合已提過，這做法的實際效果可能非常有限。
But in reality the tenants would react to the new policy differently . As mentioned by many Honourable colleagues on different occasions the arrangement may only achieve very limited effect
此外，就着姚松炎議員提出的合作社概念，我想與他探討應如何實行。
Separately I would like to explore with Dr YIU Chung - yim how to implement his suggested concept of cooperative societies
政府實有必要正視這種現象，否則問題只會糾纏不清，令政府經常背負着官商勾結之嫌，這樣只會令推動興建房屋的工作更加困難。
The Government must deal with this phenomenon squarely or else the problem will become more confounding subjecting the Government to the alleged collusion with the business sector . This will only make the Governments work of increasing housing construction even more difficult
主席，我非常感謝今天提出本議案及各項具體措施的同事。
President I am grateful to the Honourable colleagues for moving the original motion as well as proposing various specific measures today . Since the beginning of the current term of the Legislative Council much time has been wasted on political bickering
本屆會期開始至今，日子都因政治爭拗而蹉跎，我懇請各位同事今天放下成見，讓香港市民看看這裏是一個真真正正的議事堂。
I implore Honourable colleagues to put aside their prejudices today so that Hong Kong people can see that the Council is truly a forum to discuss issues of public concern . Today there are seven amendments to this motion . I will abstain from voting on a number of amendments when they are put to vote later
今天這項議案有7項修正案，我對多項修正案都會在表決時棄權，這並非因為我不關心這議題，相反，我是太關心；各項修正案都有一些建議我舉"腳"贊成，但有些建議我極不認同，有些建議我第一次聽到，非常有興趣研究，但短短數天實在不足以下定論，況且近日發生了眾多具爭議性的突發事件，我真的有點喘不過氣。
It is not because I am not concerned about the matter; on the contrary I am too concerned about it . In each amendment there are suggestions that I agree with wholeheartedly but there are also some suggestions that I absolutely cannot agree with . There are also some suggestions which I heard for the first time today and would like to examine further
在眾多具體建議中，我最有興趣並且反覆思量的是租務管制。
I really need time to let things settle down . Of the various specific proposals the one which I am most interested about and have been pondering on is tenancy control
有3項修正案都與租管有關，租管有很明顯好處，亦有明顯副作用，在未想到萬全之策之前，我只能在表決時棄權。
Rent or tenancy control is suggested in three amendments which clearly has its pros and cons . But before I can figure out a surefire plan I can only abstain from voting
然而，我非常贊成政府、立法會與民間團體進行一項大型研究，讓社會知道究竟有甚麼副作用、有甚麼應對方案，以及要付出甚麼代價，讓社會決定能否承擔這些代價。
Nonetheless I am all for the idea that a major study be conducted jointly by the Government the Legislative Council and the civil communities so that society can know more about its side effects as well as the countermeasures or the price to be paid and so on before it makes an informed decision as to whether we can bear the consequences
現時香港的租客不單要捱貴租，最慘的是要"東搬西搬"、居無定所。
Expensive rental is not the only concern for tenants in Hong Kong because they must also be prepared to move house constantly
表面看來，罪魁禍首當然是經常被責罵的無良業主，每次加租都要"加到盡"，但背後其實還有一個更大問題，就是對自由市場的迷思。
On the surface of it the culprit is surely the often - cursed unscrupulous landlords who would maximize rental increase upon tenancy renewal . But a bigger problem is lurking behind that is the obsession with a free market
香港樓市的自由市場出現了甚麼問題？
What are the problems with our property market being a free market?
正如發展局局長在上月推出"加辣"措施時指出，香港房屋供求失衡其中一個原因是投資放租。
As pointed out by the Secretary for Development when introducing further curb measures last month the imbalance between housing demand and supply in Hong Kong is caused by among others the buying of rental property for investment
所以，租管對穩定樓市有雙重效應，只靠"加辣"減低需求根本是自欺欺人，與其無止境地"加辣"，政府何不考慮應怎樣妥善地局部落實租管？
Hence tenancy control can have dual effects of stabilizing the property market . Basically to suppress demand by only relying on the curb measures is a make - believe policy . Instead of introducing harsher and harsher curb measures indefinitely why cant the Government consider ways to refine the implementation of tenancy control measures?
資本家兼樓市專家施永青先生都支持考慮租管，我在他身上看到孔子提出的"智、仁、勇"3種素質。
Tenancy control is also supported by Mr SHIH Wing - ching a capitalist and property market expert . I see in him the three virtues of being wise benevolent and courageous as advocated by Confucius
確實，探討租管問題需要"智、仁、勇"三者兼備，缺一不可。
Indeed wisdom benevolence and courage are all indispensible factors when it comes to exploring the implementation of tenancy control
說一句題外話，我希望下任特首是一個"智、仁、勇"三合一的人，如果分開3個人，智者可能做壞事，仁者可能誤大事，勇者可能做錯事，這樣便真的"大件事"！
On that note let me side track a bit . I hope the next Chief Executive can be a person with all three virtues that is being wise benevolent and courageous . If these virtues are found in three different persons a person with wisdom may be cunning a person with benevolence may be procrastinating and a person with courage may be erring
當市場嚴重失衡，我們就要考慮應否還死守着自由市場這個"神主牌"？
How terrible if that happens! . Given the serious imbalance in the market we must then consider whether the free market principle should still be closely guarded as something sacred
應否考慮在怎樣利用自由市場的好處之餘，有何措施解決現時的問題？
Should consideration be given to optimize the benefits brought by the free market while finding a way out of our present predicament?
德國是整個歐盟的"大哥大"，我們如果覺得總理默克爾是一個"智、仁、勇"三者兼備的人，便應該好好參考德國的經驗。
Germany is the leading economy in the European Union and if we consider Chancellor Angela MERKEL a person with all the virtues of being wise benevolent and courageous we should make good reference to Germanys experience
第一，德國承認實施租管在某程度上會侵損業主的私有產權，但亦知道可以帶來正面的社會影響，所以會作出補償業主的安排，例如為受規管業主提供稅務優惠。
Firstly Germany acknowledges that the implementation of tenancy control will to a certain extent encroach on the private property rights of the owners . But it also recognizes the positive social benefits brought by tenancy control . Hence for properties subject to tenancy control the owners will be provided with certain compensation say in the form of tax concessions
第二，政策只限制加租幅度，令業主在租管下對初次租金水平仍有一定話事權。
Secondly the policy only regulates the level of rental increases . As such owners can still have a say in the initial rent for properties subject to tenancy control
第三，租管或會令業主拒絕維修物業，但其實都有處理方法。
Thirdly with tenancy control owners may refuse to maintain their properties . But there are still ways to deal with the problem
德國利用業主逃避規管的心理，吸引業主妥善維修物業，受規管業主可以改善租客居住質素為理由，申請額外加租。
In Germany the policy takes advantage of the owners mentality of evading regulation . Owners under tenancy control can apply for extra rental increase on the grounds of improving the tenants living conditions . In this way owners are enticed to keep their properties well - maintained
第四，部分業主覺得租管會助長"租霸"，問題其實在於分擔風險。
Fourthly some owners may consider that rogue tenants would be encouraged by tenancy control but the problem can be addressed through risk - sharing
然而，我要重申，我個人認為實施全面租管對社會及市場的衝擊過大，我認為最應該考慮和研究的是優先幫助私樓的基層戶。
Nonetheless I would like to reiterate that in my personal opinion the implementation of full tenancy controls would create an excessive impact on society and the market . I hold that as a matter of priority consideration should be given to studying the implementation of tenancy control to help grass - roots households living in private housing
代理主席，特首上任以來多次表示，房屋問題是重中之重。
Deputy President the Chief Executive has stated repeatedly since his assumption of office that tackling the housing problem is amongst the top priorities
2014年，政府公布"長遠房屋政策"，訂下10年建屋目標，是自1998年以來首份房屋方面的長遠策略文件。
The Government promulgated the Long Term Housing Strategy in 2014 to lay down the 10 - year housing construction target which was the first long - term strategic document on housing since 1998
可是，這份策略文件的範疇卻欠缺了整個房屋政策的最底層，即過渡性房屋，令整個房屋政策不夠全面，效果也大打折扣。
However the most fundamental stratum of the entire housing policy viz . transitional housing was absent from this document thus making the housing policy incomprehensive as a whole with much of its efficacy compromised as well
現時政府的中轉房屋政策，是讓因天災、緊急事故或清拆行動而無家可歸的人士入住。
The current government policy on interim housing is to shelter those people rendered homeless as a result of natural disasters emergencies or clearance actions
然而，政府以中轉單位空置率高為由，於今年開始清拆朗邊的中轉屋邨，並正研究將石籬的中轉房屋改建為公營房屋，於是全港的中轉房屋便只餘下屯門的寶田邨。
However the Government has started to clear the interim housing estate in Long Bin for reason of high vacancy rate and is currently examining the redevelopment of the interim housing in Shek Lei into public housing . Po Tin Estate in Tuen Mun will then become the only remaining interim housing in Hong Kong
政府的政策方向是以中轉房屋空置率高為由，不加反減。
The policy direction of the Government is to reduce instead of expand the provision of interim housing for reason of high vacancy rate
現時受到天災、緊急事故或清拆行動而無家可歸的人士確實不多，但無關天災、事故卻有房屋需要的家庭非常多。
At present there are indeed not many people rendered homeless as a result of natural disasters emergencies or clearance actions yet there are a large number of households with housing needs other than the above reasons
政府對此視若無睹，只讓這些家庭列入有近30萬宗申請的公屋輪候冊上"排長龍"，便當作已提供幫助。
The Government turns a blind eye and considers that assistance has already been given to these households by listing them on the Waiting List for Public Rental housing PRH which already has some 300 000 applications
我認為政府應該因時制宜，檢討中轉房屋的定位和入住資格，而不是"一刀切"取消中轉房屋。
I think the Government should take measure suited to the time it should review the positioning of and eligibility for interim housing instead of scrapping it across the board
早前，政府為了滿足青年人擁有個人居住空間的願望而推出青年宿舍計劃，但住戶的年齡、收入、資產值都有限制。
Earlier on the Government launched the Youth Hostel Scheme YHS to meet the aspirations of young people to have their own living space and restrictions are set on the age income and assets of the tenants
為使青年宿舍單位有足夠流轉，當局把租住期上限訂為5年。
In order to facilitate adequate turnover of YHS units the maximum tenancy period is set at five years
政府應在市區興建與青年宿舍同類型並設有有租住期限的過渡性房屋，供有需要的家庭申請。
The Government should build transitional housing in the urban area similar to youth hostels with limited tenancy period for application by households in need
為確保過渡性房屋的流轉，當局應該規定租戶倘獲編配公屋便必須遷出，營運方面則建議由社會企業負責，便會更為靈活。
To ensure the turnover of transitional housing the authorities should require tenants to move out once they are allocated a PRH unit . It is suggested that transitional housing should be run by social enterprises to ensure operation flexibility
至於空置校舍能否加以善用，成為過渡性房屋呢？
As for vacant school premises can they be properly utilized to become transitional housing?
社企"要有光"最近推出"光房"計劃，正正填補了過渡性房屋的空缺之處。
The Light Home Scheme recently launched by Light Be an social enterprise can precisely fill the gap of transitional housing
業主自願以低於市價的租金出租物業予社企，一般租約為期3年，讓有住屋困難的家庭經社工轉介租住。
Property owners voluntarily lease their properties to social enterprises at rents lower than market rates generally for a period of three years . On referral by social workers such properties will subsequently be sublet to households with housing difficulties
我認為政府應該成立基金並由社企營運，大力推廣"光房"模式的過渡性房屋，以彌補公營過渡性房屋的不足。
In my view the Government should set up a fund to be run by social enterprises for vigorously promoting transitional housing of the Light Home model so as to make up the inadequacy of public transitional housing
很可惜，政府既不發展過渡性房屋，又不接納民主建港協進聯盟的建議提供租金津貼，完全任由這些家庭最少須輪候4.5年才能"上樓"。
Regrettably the Government neither develops transitional housing nor accepts the proposal of the Democratic Alliance for the Betterment and Progress of Hong Kong to provide rent allowance . Instead it just leaves these households to wait at least 4.5 years for PRH unit allocation
這是一項讓人自生自滅的政策。
This is a policy that leaves people to fend for themselves
政府必須更用心、有魄力、有組織，才能全面制訂及落實房屋政策。
The Government must make more effort take more resolute action and conduct better planning in order to formulate and implement a comprehensive housing policy
代理主席，我謹此陳辭，多謝。
I so submit . Thank you Deputy President
本年4月，有傳媒揭發管理望后石谷已復修堆填區的承辦商在去年11月至今年1月期間，把總氮量濃度超出所領牌照規定上限逾五成的堆填區滲濾污水排放出海。
In April this year the media uncovered that the contractor managing the Pillar Point Valley Restored Landfill PPVRL had during the period between November last year and January this year discharged into the sea leachate arising from PPVRL which had a total nitrogen concentration TNC exceeding by more than 50 % the limit stipulated in the licence granted to the contractor
環境保護署經調查後確認該承辦商違規，並已對其施加懲處。
The Environmental Protection Department EPD confirmed after investigation that the contractor had contravened the relevant requirements and imposed penalties on the contractor
另一方面，今年8月及9月持續降雨令該堆填區滲濾污水量增至超過承辦商的處理能力，環保署因而啟動緊急機制，將未經處理的污水排入公共污水渠，再由望后石污水處理廠直接處理。
EPD had all along not made public the incident despite knowledge of it . On the other hand the prolonged rainfall in August and September this year resulted in the increase in the leachate arising from PPVRL to a level exceeding the handling capacity of the contractor causing EPD to activate the emergency mechanism under which untreated leachate was discharged into public sewers and then treated directly by the Pillar Point Sewage Treatment Works PPSTW
環保署於上月表示，已成立專責調查小組，調查承辦商涉嫌不當操作的事件。
EPD indicated last month that an investigation team had been set up to investigate the alleged malpractices of the contractor
主席，首先我要向昇達廢料處理有限公司兩名前僱員鄒先生和李先生致敬，如果不是這兩名前線員工舉報，我們根本不會知道這件事。
President first of all I would like to pay tribute to two former employees of SITA Waste Services Ltd Mr CHOW and Mr LEE . Had it not been for these two whistleblowers we would still be in the dark about the incident
但是，主席，局長又說，因為當局認為該類排放沒有對環境造成影響，所以未作出任何公布。
However President the Secretary also said that as the authorities were of the view that such discharges did not have any impact on the environment no public announcement had been made
我想追問局長，當局應否就此作出改善，即就着這些情況，均要公布周知，最低限度確保公眾的知情權？
I would like to ask the Secretary again Should improvement measures be adopted by the authorities to ensure that the public are duly informed about this type of incidents so that our right to know is safeguarded to say the least?
同時，在整件事上，政府是否涉嫌失職？
Meanwhile as far as this incident is concerned whether there is any dereliction of duty on the Governments part?
這項質詢涉及的望后石位於L19選區，是我所服務的地區之一，所以我對望后石污水處理問題表示關心。
The place Pillar Point mentioned in the question falls within the L19 constituency which is an area I serve . That is why I am concerned about the treatment of effluent in Pillar Point
我留意到主體答覆有以下提述，即"污水處理廠於2016年的排放一直合乎《水污染管制條例》的牌照條款"。
I have noticed the following in the main reply the effluent quality of PPSTW in 2016 has consistently been in compliance with the licence requirements under the Water Pollution Control Ordinance
我想問局長，既然當局要經過調查才知道發生了這種情況，即有 超標滲漏污水須緊急排放到公共污水渠，局長如何知道2016年的排放一直合乎標準？
My question to the Secretary is as follows . Given that it was only after investigation that the authorities became aware of the situation that is the emergency discharge of leachate with total nitrogen exceeding the licensing limit to the public sewer how can the Secretary be sure that the effluent quality in 2016 has consistently been in compliance with the licence requirements?
如果是這樣，當局在調查過程中有否追查承辦商在整個運作期間，是否還有其他事情欺上瞞下？
If so has any action been taken by the authorities in the course of investigation to ascertain whether the Contractor has also failed to inform the Government and the public about other malpractices?
我是問局長，他如何知道過往的資料是準確的？
My question to the Secretary is How can he be sure that the past data are correct?
局長可以怎樣幫助這兩名員工，又或令這類報復情況不再出現？
What can be done by the Secretary to help these two employees or prevent any repeat of such vengeance?
局方有甚麼工作可以做到？
What actions can be taken by the Bureau in this regard?
代理主席，首先感謝謝偉俊議員提出"制訂房屋政策紓緩殷切住屋需求"的議案，這項辯論非常有意思。
Deputy President first of all I thank Mr Paul TSE for moving the motion on Formulating a housing policy to alleviate the keen housing demand . The debate on this motion is very interesting
為了是次發言，我特意翻看一些經典著作，以下引述自其中一段："房租大幅度提高，每一所房屋的住戶越加擁擠，有些人簡直無法找到居所。
To prepare for this speech I have purposely looked through some classical works . The following is quoted from one paragraph Rents have risen significantly . The home of every household has been increasingly congested; some people cannot even find a place to live
"以下是另一段："工人從市中心被排擠到市郊；工人住宅以及一般小住宅都變得稀少和昂貴，而且往往根本找不到"。
The following is from another paragraph Workers have been crowded out from downtown to suburban areas; the flats for workers or ordinary small households have become scarce and expensive; and very often they are not even available
上述兩段引述自思想家弗里德里希·恩格斯的《論住宅問題》，書中講述1872年德國的情況。
These two paragraphs were quoted from The Housing Question authored by thinker Friedrich ENGELS which talks about the conditions in Germany in 1872
然而，書中所述的情況正正在100多年之後現今的香港出現，青年人如要"上車"，能夠考慮的只有一些偏遠地區。
However the situation mentioned in this book happened to materialize more than 100 years later in Hong Kong today . Young people can only achieve home ownership by considering some remote areas
細小至128平方呎的私樓單位，年青人有能力購買吧？
To address the high property prices property developers have gone so far as to put up nano units for sale which is as small as 128 sq ft so as to meet the affordability of young people
為了準備今次發言，我亦訪問了很多年青人。
To prepare for this speech I have also interviewed a number of young people
他們表示對"上車"已差不多絕望。
They told me that they have almost lost hope of achieving home ownership
香港有80多萬個公屋單位，公屋政策多年來是香港最主要的房屋政策。
There are more than 800 000 public rental housing PRH units in Hong Kong . PRH policy has been the mainstay of Hong Kongs housing policy for many years
但近年來，興建公屋遇到重重困難，以致完全未能達標。
However in recent years the construction of PRH units has encountered various difficulties rendering it completely impossible to meet the targets
即使政府已訂立《長遠房屋策略》，要在未來興建28萬多個公屋單位，但從政府資料預計，未來5年提供的單位只有95,000個，遠遠落後目標，各方面的配套亦跟不上。
Despite the Governments pledge to build 280 000 - odd PRH units in the future as set out in the Long Term Housing Strategy an estimate based on government data suggests that only 95 000 units will be provided in the next five years falling far behind the target; and all ancillary facilities have failed to catch up as well . The pledge of three - year waiting period of PRH allocation has ended up as empty talk and joke . Currently the waiting time stands at 4.5 years
基層家庭的居住環境越來越差。
The living environment of grass - roots families is getting worse
我很認同剛才多位同事提到的租務管制。
I strongly support tenancy control as suggested by many colleagues just now
以往的租管形式可能比較僵化，亦存在一些問題。
The previous system of tenancy control might be relatively rigid and problematic
然而，我們現時面對一個極度困難的處境，需要研究一套新的租管制度，以嶄新的開放思維，不能因為租管以往有很多問題就"一刀切"放棄不做。
However we are currently faced with an extremely difficult situation which calls for exploring a new tenancy control system with a new and open mind . We should not abandon tenancy control once and for all just because it was problem - ridden in the past
重新訂立租管，有助保障租戶不受業主任意宰割。
We should reinstate tenancy control to protect tenants from being wilfully exploited by property owners
既然公屋輪候時間超出政府的3年承諾，政府理應為輪候者"包底"，提供租金津貼，令市民體現政府對房屋政策的承擔。
As the waiting time for PRH has exceeded the three - year target pledged by the Government the Government should act as an underwriter by offering applicants on the waiting list rent allowances which will assure the public of the Governments commitment to its housing policy
夾心階層同樣面對"上車"的大難題。
The sandwich class is likewise faced with the major difficulty of achieving home ownership
他們不符合公屋申請資格，但現時居屋售價相當昂貴，很多新建的居屋屋苑，以今年開售的嘉順苑及屏欣苑為例，很多單位都超過300萬元；而香港房屋協會的綠怡雅苑更有不少單位超過500萬元。
While they are not eligible for PRH the current price level of Home Ownership Scheme HOS flats is very high . Many flats in a number of newly built HOS estates such as Ka Shun Court and Ping Yan Court offered for sale this year are priced at more than 3 million . The price of some flats of the Greenhill Villa developed by the Hong Kong Housing Society HKHS has even exceeded 5 million
超過500萬元的單位，即使月薪達最高入息上限49,000元，借貸九成亦無法通過壓力測試，就正正說明現時居屋或房協樓宇的定價已超出市民的負擔。
To purchase a flat of over 5 million even if ones monthly salary reaches the maximum income limit of 49,000 he will still fail to pass the stress test for a mortgage of 90 % loan - to - value ratio . This clearly shows that HOS or HKHS housing have been priced beyond the affordability of the public
房屋供應的關鍵是土地供應，相等於麪粉與麪包的關係。
Housing supply hinges on land supply which is the same as the relationship between flour and bread
事實上，房屋供應亦關乎政治問題，房屋及土地問題能好好解決，政治問題便得以大大紓緩。
In fact housing supply also has an impact on political issues . If housing and land issues can be properly resolved political problems will be considerably alleviated
然而，過去數年有反對派打着保育旗號，像朱凱廸議員之流，將所有土地發展"妖魔化"，千方百計加以阻撓。
However some members of the opposition camp such as the likes of Mr CHU Hoi - dick have demonized all land developments under the banner of conservation in the past few years
他們聲稱綠化帶不能用；亦不可以填海、開山；稍為有人居住的地方都不遷不拆；並把市區發展說成"插針建屋"、"盲搶地"。
They have tried to hinder land developments by employing every means such as claiming that green belt should not be used; reclamation and hill cutting should not be allowed; even homes in sparsely populated areas should not be relocated or cleared; they have even dismissed urban developments as infill construction and irrational scramble for land