Borrison/hk-legicost huggingface dataset:
強積金是平均投資法，要看長遠表現，經過18年，投資市場雖然有升有跌，但經歷過兩次金融風暴整體回報率仍然有5%，其實是相當可觀的。
MPF is an average investment method and subject to long - term performance . After 18 years of ups and downs in the investment market and two financial turmoils its overall rate of return still stands at an impressive level of 5 %
強積金跑輸通脹只會出現在回報率低的保證基金和保守基金，幸好市民很聰明，這兩種基金只佔整體強積金不足20%。
MPF underperforms inflation only in terms of the low - return guaranteed funds and conservative funds . Fortunately the public is very smart . These two funds only account for less than 20 % of the overall MPF
當初設立保證基金和保守基金是供臨近退休年齡的市民選擇，好讓他們退休前無需受市場的波動所影響。
Initially the establishment of the guaranteed funds and conservative funds was to offer a choice to those members of the public who are close to their retirement age so that they would not be affected by market fluctuations before retirement
此外，亦讓擅長理財的市民感覺"牛市"到盡頭之際將資金轉移至保守基金，作為一個避風塘。
In addition those who are keen on financial management may transfer their money to conservative funds as a safe haven when they feel that the bull market is coming to an end
事實上，有很多人不 了解情況，甚至觀念上有錯，還經常建議別人選擇保證基金，結果當然是跑輸通脹。
In fact many people do not understand this or even have a wrong concept but they still often advise others to choose a guaranteed fund . It turns out to underperform inflation for sure
故此，比較年青的市民又不知道如何選擇的話，大可選擇恒指基金，它過往的回報可觀，我相信將來亦然，而且好處是行政費用最低。
Therefore those younger members of the public who do not know how to make the choice may choose the HSI Fund . It enjoyed considerable returns in the past and I believe it will continue to be so in the future and the advantage is that its administration fee is the lowest
我的修正案建議推動理財教育，教育市民有效管理強積金，因為若市民不了解真正的情況，或錯信一些錯誤的信息，人云亦云，結果選擇了不適合的基金，回報率可以差天共地。
My amendment proposes to promote financial management education to teach people how to effectively manage their MPF investments because the rate of return can differ greatly if the public does not understand the real situation misbelieve some false information and believe in hearsay and choose an unsuitable fund as a result
同時，我也希望對市場不了解的人不要隨便散播錯誤觀念、胡言亂語，隨時連累他人。
Meanwhile I wish that people who do not understand the market should not spread wrong concepts and make nonsensical speeches that may make others victims any time
主席，強積金行政費問題一直受到批評，過去我一直促請政府和業界採取有效措施，減低行政開支。
President the administration fees of MPF have long been a cause of criticism . In the past I have been urging the Government and the trade to take effective measures to reduce administrative expenses
近年收費亦開始下降，由2007年2.1%，下降至目前1.52%，但我相信仍有下調的空間。
In recent years charges have also started to drop from 2.1 % in 2007 to 1.52 % now but I believe there is room for a further reduction . Nevertheless we should give it a fair deal . There are historical reasons for the high administration fees at the initial launch of MPF
不過，我們要公道點，強積金推出初期行政費較高是有其歷史原因，因為當時要落實法例的要求，強積金每月會以人手處理大量的收支和文書工作，又要配置全新的電腦應用程式，投資十分龐大，而當時強積金資金池的規模相當小，資金池小而費用按總資產的比例計算，故此當時行政費高昂是在所難免，亦有其需要。
Since legislation was to be implemented at that time a huge investment was involved given that a large amount of income and expenditure and paperwork for MPF had to be handled manually each month and new computer programmes were deployed . At that time the size of the MPF pool was very small . Given a small pool of capital and the calculation of fees based on total assets the high administration fees were inevitable and necessary at that time
不過，當供款不斷增加，而行政工作亦漸漸精簡，行政費是可以下調的。
However as contributions continue to increase and the administrative work is gradually streamlined the administration fees can be lowered
所以，我建議先推動無紙化，同時盡快推出"積金易"電子平台，大幅減省人手處理程序，行政費便有更大的下調空間。
As such I propose to promote paperless processes while introducing an eMPF electronic platform as soon as possible so as to substantially reduce manual handling procedures in order that bigger room for administration fee reduction can be occasioned
強制性公積金計劃管理局估計電子平台只要有90%的使用率，未來20年便可以節省230億元，節省的數目十分龐大。
The Mandatory Provident Fund Schemes Authority MPFA estimates that as long as the electronic platform has a 90 % utilization rate an enormous 23 billion can be saved over the next two decades
此外，如市民選擇恒指基金，最低收費只需0.71%，但回報率極高，是很理想的選擇。
In addition the minimum charge is only 0.71 % if the public chooses the HSI Fund which is an ideal choice given the extremely high rate of return
另外，有人批評強積金不足以應付退休的開支，但這並不是回報的問題，而是因為香港的供款比例太低，新加坡公積金最高供款高達37%，是香港的3.7倍，自然比較足夠應付開支。
Moreover some people criticize MPF as not enough to meet retirement expenses . This boils down not to a matter of return but an extremely low contribution ratio in Hong Kong . The Singapore Provident Fund has a high maximum level of contribution of 37 % which is 3.7 times that of Hong Kong
目前，強積金總供款中有超過100億元為自願性供款，有如此龐大的資金進入這個系統，證明一定有其吸引之處，否則自願性供款早已全部撤走。
Currently over 10 billion in the total MPF contributions is voluntary contributions . With such a huge capital flowing into the system it proves that there are some points of attraction . Otherwise all the voluntary contributions have already been withdrawn
謝偉俊議員建議容許市民自行買入管理費較低的盈富基金，我想提醒市民要留意銀行收費，因為銀行每次作出買賣證券的最低收費為50元，每月供款一次便收取一次費用，假如月供3,000元便需要支付 相等於1.6%的收費，供款1,500元則要支付相等於3.2%的收費，而強積金指數基金只收取0.71%，即自行買入盈富基金要多付1倍以上的費用。
Mr Paul TSE proposes to allow the public to buy the Tracker Fund of Hong Kong which charges a lower management fee at their own expenses . I would like to remind the public of the bank charges . Since the minimum charge for trading securities via the bank is 50 for each transaction and a charge will be levied for each monthly contribution a monthly contribution of 3,000 will incur a charge at 1.6 % and a monthly contribution of 1,500 will incur a charge at 3.2 % compared with 0.71 % for the MPF Index Fund
今時今日，市民對強積金有極深的誤解甚至仇恨，當然強積金本身有其問題，但更重要的是社會上充斥很多錯誤、不公道的報道或信息，令市民對強積金印象很差。
Today the public has a deep misunderstanding or even hatred against MPF . Of course MPF has its own problems . But more importantly the community is full of mistaken and unfair reports or information which gives the public a very poor impression of MPF
我今天提的全部是客觀的數據，其實積金局每年也有公布，但很少人理會，結果優點沒有人提起，缺點則被放大，怎可能對強積金有客觀、公正的評價呢？
While all I have cited today are objective data that MPFA would publish every year few people will pay attention to them . As a result no one has gone through the merits while the shortcomings are magnified . How will there be objective and fair comments on MPF?
我也明白，基於強積金的負面形象，在今天的會議上，除非議案及修正案將強積金"鬧到七彩"，最好把行政費壓至極低，否則難以獲得通過。
I also understand that given the negative image of MPF it is difficult to pass the motion at todays meeting unless MPF is fiercely dressed down by the motion and the amendments and it is best to keep the administration fees to an extremely low level
但我認為，我的修正案是否通過並不重要，最重要是將強積金的事實，特別是把回報率的事實說清楚，讓市民知悉真相，便已功德無量。
However I think that it is not important whether my amendment can be passed . The most important thing is to clarify the facts about MPF especially the rate of return and it would be a most benevolent favour to the public if only people can realize the truth
代理主席，我發言支持陳淑莊議員根據《立法會條例》動議的議案，成立一個專責委員會。
Deputy President I speak in support of Ms Tanya CHANs motion moved under the Legislative Council Ordinance for the establishment of a select committee
在"豆腐渣"工程出現的地區，包括大陸，這些是常見現象。
In regions where tofu - dreg projects are found including the Mainland this is a common phenomenon
這項工程由納稅人支付，最後使用的撥款是971億6,000萬元，而政府亦明言必定會超支，還要再來立法會這個"自動提款機"提款。
The present project is funded by Hong Kong taxpayers at a cost of 97.16 billion at last . Moreover the Government has stated unequivocally that the cost will overrun and it will come to the Legislative Council the automatic teller machine to obtain further funding
單是南、北連接隧道和列車停放處已有四成檢查及測量申請表格消失。
For the North Approach Tunnel South Approach Tunnel and stabling sidings of Hung Hom Station 40 % of the Request for Inspection and Survey Checks RISC forms have been found missing
接着還有一些離奇的說法，指不如把RISC forms取消。
Then there comes the outlandish remark suggesting the abolition of RISC forms
我聽到有工程界人士表示，簽署也是多餘的，倒不如不用簽。
I have heard some members in the engineering sector say that the signing of the form is redundant and may as well be abolished
這個政府已經無藥可救，重重失職，重重監管也是失職的。
This Government is hopeless . There was repeated dereliction of duty at various levels of supervision
面子較安全重要、較市民重要，為了面子，甚麼也可以出賣，市民可以出賣、安全可以出賣、公帑也可以出賣。
Face comes before safety and the public . For the sake of saving face it can betray anything be it the public safety or public money
主席，我當然明白在建制派議員的護航下，今天的議案大多數也不會獲得通過。
President I surely understand that with the pro - establishment camp playing convoy the motion will very likely be negatived
然而，社會和歷史將要見證這些不負責任的議員如何包庇政府，如何令這個原本應可做得更好的沙中線工程，繼續在重重黑幕中蒙混而過。
Nonetheless society and history will bear witness to the acts of these irresponsible Members in sheltering the Government and allowing the SCL project which could have been done better to be muddled through continually in the midst of these shady deals
我謹此陳辭，支持陳淑莊議員的議案。
With these remarks I support Ms Tanya CHANs motion
第一，其管理費過高，投資回報強差人意，加上通脹蠶食，其實並無甚麼作用，這一點我完全贊同。
First its management fees are too high its returns on investments too low and its benefits eroded by inflation to the extent that it does not work . This I fully concur
然而，基於這個原因而提取部分強積金購買醫療保險，情況猶如由一個地獄走進另一個地獄，我為何這樣說呢？
However if we for this reason withdraw part of our MPF contributions to purchase medical insurance the situation would resemble one in which we walk from one hell to another . Why would I say this?
第一，大家亦知道強積金源於政府拒絕推行全民退休保障作為最重要的退休保障基礎，是因妥協而出現的產物。
First we all know that MPF originated from the Governments refusal to implement universal retirement protection as the most important basis of retirement protection and hence MPF came about as a compromise
政府的看法是，必須推行退休保障，但他們不做，提議交由基金受託人和管理人等來做，可能會較好。
The Governments view was that retirement protection must be implemented but they did not want to do this work and suggested that it would probably be better if the job were handed over to fund trustees and managers
幸好歷史說明一切，因為強積金管理費之高已經證實強積金無效。
Fortunately history tells everything because the high management fees of MPF prove that MPF is not effective
舉例而言，我相信退休保障基金已非新事物，世界各地均有不同形式的退休保障，但相比之下，其收費遠低於香港。
For example I believe retirement protection funds are not a new thing and places around the world have different forms of retirement protection . But in comparison their fees are much lower than that in Hong Kong
上屆政府委託周永新教授進行很深入的調查，其中最重要 的一點是市民的支持。
The last - term Government commissioned Prof Nelson CHOW to carry out a thorough survey which won the peoples support and this is the most important point
政府在2016年進行的調查，合共收到18,000多份意見書，大多數都接受免經濟審查的全民退保，其實這並非洪水猛獸，全球很多地方均採用這種方法來處理。
This survey by the Government in 2016 received more than 18 000 written submissions most of which accepted a non - means - tested universal retirement protection system―not a scourge but is adopted in many places around the world as a way to handle retirement
雖然"林鄭"一開始已表明一定不會考慮全民退保，但我必須在這裏說，政府虧待香港300多萬名勞工，因為大家都知道這是沒完沒了的，強積金根本不可能幫助市民應付退休生活。
Although Carrie Lam said in the very beginning that she would not consider universal retirement protection I need to say here that the Government is mean to more than 3 million workers in Hong Kong because everyone knows this thing has become a never - ending cause for MPF is simply unable to help the people cope with retirement
基於這個原因，政府不斷以其他方法掩飾過失，包括透過很多做法，例如強迫60至64歲的人工作，因為大家都知道這樣不行......
That is the reason why the Government keeps using other means to cover up its errors; it did so through many measures such as forcing people aged 60 to 64 to work because everyone knows that this is not workable
這正是"不走正路走歪路"的最主要原因。
Now this is the main reason for taking the wrong path instead of the right way
第二，醫療開支是否一定要透過保險來應付呢？
Second must we deal with medical expenses through insurance?
立法會秘書處資料研究組在2018年7月進行了一項很清晰的研究。
The Research Office of the Legislative Council Secretariat conducted an unambiguous research in July 2018
在2015年，當時的醫療保費......
The medical insurance premiums in 2015
在90億元的保費中，只賠償了53億元，立法會秘書處的研究報告指出數字是低於60%。
Now from the 9 billion of premiums only 5.3 billion were drawn to pay insurance claims and the research report by the Legislative Council Secretariat pointed out that the number was lower than 60 %
如果把交給受託人的強積金轉為購買醫保，即是由一個"大鱷"的口中轉到另一個"大鱷"，其實於事無補。
If the MPF funds now handed over to the trustees are transferred to insurance companies for taking out health insurance then it is the same as going from the mouth of a big predator to another . It does not do any good
香港是否沒有人購買保險呢？
Is it true that no one in Hong Kong purchases any policy?
立法會秘書處的研究顯示，2006年的滲透率是20%、即135萬人，2016年是240萬人，佔勞動階層八成，數字並不低。
The research by the Legislative Council Secretariat shows a prevalence rate of 20 % in 2006 or 1.35 million people . In 2016 the number was 2.40 million people and accounted for 80 % of the working class so the number was not small
透過團體購買保險的有178萬人，加上個人購買保險的近230萬人，當中有92萬人是重複的，即合共240萬人，數字絕對不低，但能否幫助他們解決嚴重的醫療問題呢？
There were 1.78 million people who held group - based policies adding to this those who held individual health insurance policies the number came close to 2.30 million people of which an overlapping 0.92 million people had both types of policies and the total was 2.40 million people a number that was absolutely not small . But can this help them solve the grave problem of medical care?
如果大家都知道蠶食的部分是四成，即每加入10元，保險公司便賺取4元，即使一位婆婆亦懂得計算，這並不能作為長遠解決香港醫療問題的方法。
If it is made known to everyone that the eroded part is 40 % that is for every 10 that is added to them the insurance companies earn 4 then even a grandmother would know how to do the calculations . This cannot be the method for solving Hong Kongs health care problem in the long term
第二個問題，大家都知道在過去20年，年青人的工資水平在扣除通脹後，基本上不但沒有增加，反而減少了。
Coming to the second problem we all know that in the last 20 years the wage level of young people has not increased but has decreased after deducting inflation
政府的角色是甚麼呢？
What is the role of the Government?
看看大數據，現時大約5.7%的本地生產總值投放在醫療方面，政府只佔小部分，大約2.8%，2.9%是由市民承擔，當中透過保險的少於12%，其餘大部分都是自行支付的。
Look at the big data and you will find that our health care expenditure as a percentage of our Gross Domestic Product is currently about 5.7 % of which the Government is responsible for a small portion of approximately 2.8 % while 2.9 % is borne by the people among whom 12 % meet the expenses by insurance and the rest pay for them themselves ie
這反而是一種不太差的現象，因為市民對於透過保險來保障自己或應付他們的醫療需要，並沒有太大的信心。
out of their own pocket . But this is not a bad phenomenon at all because the people do not have great confidence in protecting themselves or dealing with their health care needs through insurance
首先，我要不厭其煩地表示我對強制性公積金制度一向很有意見，簡單數個字已可說明其問題，就是"收費高、回報低"。
First of all I do not mind reiterating once again that I take issue with the Mandatory Provident Fund MPF System . A few words can sum up its problem―charging high fees but yielding low returns
根據強制性公積金計劃管理局的數據推算，自強積金設立以來，基金公司合計收取高達1,000億元的管理費用，遠高於常被傳媒渲染的強積金對沖即公司老闆用以對沖長期服務金和遣散費的320億元。
According to the data of the Mandatory Provident Fund Schemes Authority it is estimated that since the inception of MPF the total amount of management fees charged by fund companies has reached 100 billion much higher than the 32 billion used by employers to offset long service payments and severance payments―a mechanism which has been hyped by the media . The latest median monthly income of Hong Kong employees stands at 16,800 . Take this amount as an example
以最新公布的香港僱員每月入息中位數16,800元為例，如由22歲開始為強積金供款至65歲，累算權益本來可達近200萬元，但當中40%即近70萬元將落入基金的管理費及雜項開支，最後只餘130萬元。
If an employee starts to make contributions to MPF at the age of 22 the accrued benefits should reach about 2 million when he becomes 65 . However 40 % of the accrued benefits falls into fund management fees and miscellaneous expenses . In the end only 1.3 million is left
因此，我常說強積金制度是肥了"基金佬"，他們的高昂管理費和雜項開支才是沖走"打工仔女"退休保障的真正元兇。
Therefore I often say that the only beneficiaries of the MPF System are the fund managers . Their expensive management fees and miscellaneous expenses are the real culprits that sweep away the retirement protection of wage earners
當局如要確保市民年老時可享受退休保障，其實最應向那群"基金佬"追究，而不應把矛頭指向我們這些中小微企的僱主。
As a matter of fact if the Administration wishes to ensure that members of the public are able to enjoy retirement protection it should hold the fund managers responsible instead of pointing the finger at the employers of micro small and medium enterprises
我一向主張當局必須對症下藥，優化強積金的制度。
I have all along advocated that the Administration must prescribe the right remedies to enhance the MPF System
數年前，當局千呼萬喚才修訂法例，推出預設投資策略及引入收費管控等機制，但政府"拖慢板"的態度實在教人失望。
Despite our repeated requests it was only several years ago that the Administration started to amend the legislation through which the Default Investment Strategy and fee control mechanisms were introduced . Nevertheless the attitude of procrastination adopted by the Government is really disappointing
因此，對於今天多項修正案提出的優化措施，要求進一步降低強積金受託人收費、為計劃成員提供更多投資選擇等，我原則上予以支持。
Hence I support in principle the enhancement initiatives proposed by todays amendments that demand further lowering of fees charged by MPF trustees and provision of more investment options for scheme members
至於是否應如原議案建議般活化強積金制度，容許僱員以強積金供款購買醫療保險，我亦有點擔心會否肥了"保險佬"。
As to the question of whether we should revitalize the MPF System by allowing employees to use MPF contributions to take out medical insurance as proposed in the original motion I am worried that the only beneficiaries of this initiative are the insurance companies
購買醫療保險產品亦要很小心，如何確保受保人患病時獲得公平及合理的保障取決於保險條款的內容，故有關政策配套不容忽視。
Extra caution must be exercised in taking out medical insurance . How can it be ensured that the insured person will receive fair and reasonable protection when he falls sick? . It is determined by the terms of the insurance policy thus the relevant policy support must not be neglected
同樣，如把強積金供 款用作置業或作首次置業首期，會否又被指有違強積金作為退休保障的原意，因而予人藉口要求取消強積金對沖安排或增加僱主供款？
Similarly if MPF contributions are used to acquire properties or make the down payment for first home purchase will this initiative be criticized as defeating the original intent of setting up MPF as a retirement protection? . Will this in turn render it an excuse for the demand for abolishment of the MPF offsetting arrangement or increasing the contributions from employers?
須知道政府近年接二連三推出政策，增加企業經營成本，已令一眾中小微企非常吃力。
In recent years policies that increase the operational costs of enterprises have been introduced by the Government one after another resulting in difficulties experienced by micro small and medium enterprises in business operation
我不希望當局以加強市民各種生活保障為由再次無視商界的困難，"敲其腳骨，打其荷包"。
I hope that the Government will not use enhancing various items of livelihood protection for the public as a pretext to turn a blind eye to the difficulties faced by the business sector once again . Such a move can be compared to beating and robbing a person
最後，我想強調政府切勿在未得到商界同意下隨意取消強積金對沖安排，要僱主為僱員再提供退休保障。
Lastly I wish to emphasize that the Government must not arbitrarily abolish the MPF offsetting arrangement before obtaining the consent of the business sector consequently requiring employers to provide more retirement protection for employees . This is utterly moving the goalposts
這絕對是"搬龍門"，要商界負擔雙重福利，必然會令商界有被出賣的感覺，政府的誠信將蕩然無存，我奉勸政府當局三思。
Requiring the business sector to bear the burden of double benefits will certainly give the business sector a feeling of being betrayed . The Government runs the great risk of wrecking its integrity . I hope the Administration will think twice about this
主席，在今天沒有租管及租津的情況下，過渡性房屋實際上是苦候"上樓"的基層住戶改善居住環境的唯一選擇。
President in the absence of any rental control and rental subsidies these days transitional housing is actually the only option for improving the living environment of grass - roots households who are in a dire wait for public housing allocation
相信各位同事今天也很希望政府聽到，我們要求它做多些，做快些。
I believe that today Members all hope that the Government can pay heed to their demand for more faster actions
因此，我很希望今天的議案最終可以順利通過，以反映整個議會的清晰意向，就是要求政府更積極增加過渡性房屋的供應。
So I strongly hope that the motion today can be passed smoothly in the end so as to reflect a clear inclination held by the entire legislature the inclination that it requests the Government to increase transitional housing supply more proactively
就今天7項修正案，首先感謝多位同事就議案提出建議，當中不少是補充性的修正，既保留了原議案的主體部分，亦豐富了原議案的內容。
Speaking of the seven amendments today I must first thank all those Members for their recommendations on the motion . Many amendments are supplementary by nature and they have retained the main part of the original motion and enriched its contents
例如謝偉銓議員提出，考慮把往後5年政府不會使用的地方，用來興建過渡性房屋；又例如麥美娟議員提出，為過渡性房屋計劃提供一站式資訊及申請網站，以及擴大過渡性房屋專責小組的編制。
For instance Mr Tony TSE proposes to consider the idea of constructing transitional housing on those sites which will not be used by the Government in the next five years . Another example is Ms Alice MAKs proposals of providing a one - stop information and application website for transitional housing programmes and expanding the establishment of the Task Force on Transitional Housing
這些都是好建議，民建聯會支持這些修正案。
These proposals are very desirable and the Democratic Alliance for the Betterment and Progress of Hong Kong will support these amendments
我亦感謝剛才多位議員發言時提出的不同意見，包括胡志偉議員提及如何善用空置的校舍；姚思榮議員提及如何與地區團體溝通及接 觸；陳凱欣議員提到，現時不單是"劏房戶"受影響，連居住於舊樓的人都會受影響。
I also thank various Members for raising different views in their earlier speeches . Among them Mr WU Chi - wai mentioned how vacant school premises could be used effectively; Mr YIU Si - wing discussed how to communicate and liaise with community organizations; and Ms CHAN Hoi - yan asserted that not only residents of subdivided units but also those living in dilapidated buildings would be affected
不過，對於部分修正案內容，我未必完全認同，亦有些不明白。
Nevertheless I cannot totally agree to some amendment contents and I do not quite understand them either
過渡性房屋這項議題，在事務委員會其實討論過很多次，亦有小組委員會跟進，每次給我的印象都是不分黨派皆認為政府做得不夠，沒有政策配合，過於卸責，正如剛才很多同事都提及，主要是以民間主導，希望政府能夠參與其中。
The issue of transitional housing has actually been discussed many times at Panel meetings and followed up by a Subcommittee . The impression I get every time is that without any distinction of political affiliation Members invariably think that the Government has not done enough or offered any policy support and it has shirked its responsibility . As mentioned by many Members earlier on its development is led mainly by community organizations and they hope that the Government can also play a part
我們要求政府做多些，首要一定涉及房協、市建局及房屋署這3間機構，所以我難以支持這項修正案。
If the Government is to step up its efforts as we have requested the prerequisite is that three organizations must be involved namely HS URA and also the Housing Department . So I cannot support this amendment
第二，我亦難以支持譚文豪議員的修正案，我剛才聽到譚議員的想法，他表示擔心將過渡性房屋納入《長遠房屋策略》，會影響房屋供應。
Second I cannot support Mr Jeremy TAMs amendment either . Just now I heard Mr TAMs thoughts . He was concerned that the inclusion of transitional housing into the Long Term Housing Strategy would affect housing supply
我想重申，正如剛才柯創盛議員也提到，我們現時所說的過渡性房屋，是將政府一些閒置土地、用不到的地方加以善用，好像漁光邨等例子；又例如我跟進的深水埗欽州街項目，為何不能用作公屋呢？
I wish to reiterate one point . As also mentioned by Mr Wilson OR just now the transitional housing we now talk about concerns the effective use of certain idle government sites or places currently not in use such as Yue Kwong Chuen . Another example is the Yen Chow Street project in Sham Shui Po which I have been following up
因為該處地下有很多設施，根本不能打樁。
Why cant the site be used to construct public housing? . Because there are many underground facilities at the site and it is simply impossible to conduct piling works
我們是說這些地方，絕對不會影響《長遠房屋策略》的房屋供應。
We are talking about such sites and housing supply under the Long Term Housing Strategy definitely will not be affected
所以，希望譚文豪議員考慮支持我的議案。
So I hope Mr Jeremy TAM can consider supporting my motion
最後，希望我們努力為過渡性房屋，一同爭取。
Lastly I hope we can work hard and strive for transitional housing together
因此，如果我們要活化強積金權益的動用，便須考慮這做法能否維持強積金作為退休支柱。
Therefore if MPF is to be revitalized by allowing scheme members to withdraw their accrued benefits we must consider whether MPF will be able to remain as an important pillar of retirement protection subsequently
在這個背景下，假設我們贊同將強積金部分供款用作購買醫療保險，而又能成功吸引很多人使用這方法購買醫療保險，這樣的話，究竟會出現一個甚麼現象？
In this context assuming that the proposal for using part of the MPF benefits to take out medical insurance is passed and that many scheme members are attracted to take out medical insurance in this way what will happen then?