係香港嘅紀律部隊都有宿舍提供俾員工申請，而編排邊個入先、入後、地區、大細係以計分制厘定！
紀律部隊員工想快啲入住宿舍，最快手係升級，其次係結婚生細路，如果職又無得升，婚又結唔倒，
咁就慢慢排隊，以年資換分數！      
         
香港人日思夜想都要買樓，政府就成全拒！其實資助房屋可以參考這種計分制，我提議：- 
         
1) 香港永久居民有 1000 分。       
2) 18 歲以上居民每大一個月有一分。      
3) 由申請當日起計每一個月有一分。      
         
以上分數可以用家庭做單位，以人頭計數，如果加入一兩個老人家，絛數就認真襟計！ 
         
4) 每一名子女有 1000 分。       
5) 每納 100 元薪俸稅有一分，仲有追溯權及累積滾存。    
6) 交回公屋單位又有 1000 分。      
         
以上分數係體驗申請人對社會嘅供獻。      
         
7) 成世人都未擁有過物業嘅有 1000 分。      
8) 層經擁有過物業嘅人都有分，每做一年無殼蝸牛有 50 分。    
         
有物業嘅人都可以申請，以便樓換樓，不過你哋無迫切需要，所以無分！  
         
咁居屋就唔好起喇，將呢啲地攞出來賣鬼左拒，然後將啲錢折現派俾申請人！  
邊個多分就邊個先，可買乜嘢樓都得，但只限自住，邊個將個單位出租就會收監！ 
申請人有 1 蚊首期，政府就俾 1 蚊，上限 50 萬，只計街息，幾時鬆動就幾時還。  
批左確認提取權一年內揀你喜歡嘅樓，揀唔倒倒扣 5000 分再排隊。   
呢種房屋福利一生人只係得一次，所以申請倒居屋者免問！    
為公平起見，申請左呢種房屋資助者賣樓果陣唔該連本帶利還錢！   
         
咁第時邊個走出黎話「我買唔倒樓」！政府高官就會問拒「你排緊隊未」？  
如果拒話「排左十年」！政府就問「你成世人納過稅未？你結過婚未？你生左細路未？」 
         
政府最緊要係保持充足土地供應，滿足上述申請人需求，以免樓市大起大落！  
         
以上計分制分數係我個人初步構思，以便拋磚引玉，希望大家指教指教！！！  

To:4樓. 樓王發

你最聰明, 政府應該要搵你做土地顧問。

陳婉嫻問及梁唐要否把所有窮人大迫遷往新界...

我ge窮人鄰居有林夕、朱玲玲、黎明(+ 樂基兒 + 多部靚車) ... , 而家D有錢人講求私隱gar!

香港人已被邊緣化, 目光如豆, 得果1000平方公里便以為係世界中心, 由市區去新界就叫苦, 唔該去吓哈爾濱、烏魯木齊體驗乜野叫遠。 國內好多省份成個省只得一、兩個機場喳!

CM及各位，

有現金不要還給銀行，以備不時之需，銀行亦有可能追收差額，請翻閱我以前之文章。

應該同嫻姐講: 你地D市區窮人唔好入黎新界攪亂檔。

前幾年老公為敝屋苑成功反對隔鄰ge空地起公屋, 而家起緊私樓。因為果塊地一向规劃起私樓ge, 建築署想博大霧起公屋!!!!

From Wang Guangya visited HK on June 12-14, 2011 to Donald Tsang’s 2011-12 Policy Address and to the next CEO next year, how China influences the housing policy?

June 12-14, 2011

Wang Guangya (王光亞) criticized the housing policy.

“國務院港澳辦主任王光亞日前批評香港公務員，指其缺乏掌控大局和長遠規劃的能力。媒體引述王光亞的話稱，在港英政府的培訓下，公務員只懂得服從命令，現在他們自己成了主人，卻仍不知道如何當家作主。”

Donald Tsang responded and replied in Melbourne, Eva Cheng also lined up with Donald Tsang immediately.

“行政長官曾蔭權在澳洲一個電視台的訪問中、運輸房屋局局長鄭汝樺在立法會一個委員會會議上，均從不同的方向，反駁了王光亞就香港樓價問題上的評論。”

What are the crucial questions?

1.      Do we have the housing problem for the low income people?

2.      Does the property price affect the middle-class people?

Mr. Lee told the best model answer for question 1.

“李卓人議員指出，香港現在仍有大量人口，住在劏房和板間房，居住環境惡劣，而且公屋計劃最少為期3年，所以曾蔭權的發言是「對全世界講大話」。”

The best exemplar answer for question 2 was that the doctor and his wife claimed that they (middle class representative) could not buy a flat.

Did Donald Tsang and his team change the standpoint?

Action speaks louder than words. The significant change of housing policy is totally reflected on the Policy Address.

How it affect the long term property price?

To be continued…

P.S. Miss Chinese Teacher (浩氣長存) : True compassion is more than teaching a brand 3 class; it comes to see that an edifice which produces the brand 3 pupils needs restructuring. (New version from Martin Luther King Jr.)

to: 9樓無奈兄:

你說:

「TT勇於承擔八萬五責任實為領袖風範（其實八萬五和TT沒有太大關係），反觀CY堅持是集體決定，言下之意不是他的責任。按此邏輯，他過往的功績為零，令人失望之至」

唐唐至少搞紅酒中心搞得有聲有色。反觀振英哥在老董年代不單衰了八萬五、那時提出的什麼中藥港、cyber port 簡直一無是處，一敗塗地。連他倡議的禽獸學院也胎死腹中。從政以來，有何建樹???

聽說他的梁德行測量行不敵海潚，現正放盤求售。如果是真的，不如叫唐唐買起它算了。或是博士出手買了罷走。

TO: ABC君

若果CY 不能做特首，最大原因是DTZ戴德梁行，個中理由，今晚我組織一下，希望明天能夠寫出來。

市場消息指出，本地一個家族倚靠該批物業收租，每年租金收入高達4000萬元，而幾十個物業則是以商業貸款形式，向數間銀行借取按揭，平均按揭成數約四至五成。

而一批約在去年敍造的按揭，原本按揭利率為H加0.85厘，近日家族獲部分銀行通知，需要加息至H加1.75厘，銀行解釋是因為市况變動故行使加息條款。據了解，有關家族在08年金融海嘯期間亦曾被銀行追收部分貸款，但後來家族存入股票，以抵押品作為交換條件。

是博士嗎?

（明報）

若果CY 能做特首，最大原因是吹水唔使抹嘴，個中理由，又提狂起公屋居屋、狂推土地、狂增最低工資......數之不盡之期票。

銀行稍為加點息率並不可怕(2-2.5%)，相對通脹來說仍屬偏低。最令人擔心的大發展商將快爭相減價推樓盤。很多人不明白發展商為甚麼會這樣做。其實大家說深一層，便了解今年地產市道下半年低迷，大部份地產商的樓宇銷售量大減，遠遜預期。現時經濟環境轉差，買家忍手，發展商收入大幅回落，它們是被迫減價求售，希望可以增加收入，否則它們的股價便如江河日下…想通了這點，便不會以為小業主可以主導大市，也不要對樓價抱有太樂觀的看法。

已相當明顯，定存息口顯著上調後，在經濟水平下行及資產市場不穩等隱憂下，應輪到貸款息口上爬了；未料此事的人，宜及早調整策略

回the one:樓價升跌現在來說不太怕,業主們都疊理心水放租or自住,現在供樓比97低1/3,對業主來說沒什麼問題,可憐是要結婚租樓的朋友,慢慢等吧,樓市跌都冇樓比你買

浩氣長存兄:

在一個正常市場，業主定出售價，買家定購入價，如果大纜攪唔埋，便沒有成交。近日樓市淡靜，原因正是大纜攪唔埋。 買家希望超低價買平樓，只需耐心等待梁生當選特首，推出8萬5，到時有數十萬負資產戶，通街都是銀主盤，浩氣長存兄便可大舉掃平樓，挽救香港經濟，拯救數十萬負資產戶，成為我們小業主的大救星。

2003的苦難，我們小業主記憶猶新，有不少小業主仍未番家鄉，不過在浩氣長存兄眼中，他們都是該死的，因為他們貪婪，竟然在97年入市買樓。我的朋友不多，但其中已有三家今天仍未番家鄉，他們的錯是沒有億萬家財卻學人做業主，與人無悠。

向浩氣長存請教

To: (9) 無奈

"按此邏輯，他過往的功績為零，令人失望之至。"

說得好 ! 一語道出CY輸打贏要的邏輯 ! 有功就是自己主意 , 有責就"集體決定" .

To: 選委會成員

誰有功(減紅酒稅, 雖然本人不好紅酒) , 誰有過(八萬五) , 你們要看清楚啊 !

To:湯博士，

第一次得到你的回應，雖已是行將半百，內心仍是雀躍萬分。多謝！

ｃｙ的測量行出事，我也是道聽途說，未經證實。昨天新聞佈出他與唐唐打擂台，言之鑿鑿說他自己得罪了發展商。但依我看他得罪的發展商並不可怕，可怕的是得罪了因八萬五而枉死了的鬼魂。要是堂堂特首仍怕發展商，豈非真見鬼。

所謂「朝聞道，夕死可也」博士高見，在下愿聞其祥。

望博士在戴德梁行出事的話題上多出意見

修身, 齊家, 治國平天下...

CY 家都治不好, 何來對香港有益處...??

作為一個國際大都會，香港必定會吸引來自四面八方的人，納百川者方為大海。香港能有今日的成就，皆因百多年來匯聚了各地移民，他們有的帶來資金、有的帶來技術，更多是付出辛勤勞力。

不知何時開始，香港人開始作繭自縛，自守一個小天地，不願與外融合，長此以往，要麼香港沒落，變邊緣化；但更大機會的是：目前的香港居民，在外來精英的衝擊下，變邊緣化！正如博士本文所言。

小弟現在北京，所住屋苑北京原居民僅佔少數，大家說著帶有不同口音的普通話，也有說英語、日語、俄語等之住客。這些新來北京的人，為北京近年的高速發展做出巨大貢獻。

一個不能包容外來者的地方，必定走向沒落！

賓賓你說得真對！所以美國現在走向沒落！因為要成為她的國民很難。

To: Bun Bun and Ah Q,

HK always welcome people with skill or capital cos they can fuel the growth engine of HK.  If those Philipino/a have what we need, we always welcome them.  BTW, they can thru the Investment Immigration Policy to come into HK.  Just bring in HKD10 millions....our doors are open for them....

甚麼領袖可代表香港?

話說香港是一個商業金融國際大都會,需要政治領袖或是商業才子作領袖?

是喜歡紙上談兵或對香港政府熟識及有實踐經驗?

本人不清楚哪個可取，但可考慮香港是做生易先或政治先?

中天嘅天圓地方----樓價冧煲呔惡名難逃，租金高嗌者無病呻吟！

http://chungtinproperty.blogspot.com/ 2011/11/20111108.html

分柝有見地，請政府高層由其特首睇睇，唔該！！

呢篇係中天嘅天圓地方---居屋唔影響樓市？唔該重修經濟科！

http://chungtinproperty.blogspot.com/ 2011/07/20110719.html

過兩叁年之後，當居屋可以公開發售果陣，我會將呢篇嘢再發多次！

To ：36 Hong Kong People

這個恐怕他們想輸出的並非我們想要的。從過去數任政府 和 官員 都有這個陋習，這樣的東西是你 或 我們想要的嗎？

他們的強項（並非指輸出的傭工行列）又 恐怕我們未必能接受。他們在科技這一環都十分了得。

Part 2

From Wang Guangya visited HK on June 12-14, 2011 to Donald Tsang’s 2011-12 Policy Address and to the next CEO next year, how China influences the housing policy?

Totally agree with No. 30),

I have a colleaque who makes at least 50K per month & all the previous13 years she chose to rent in HK islandside.  Now she's over 50, you can tell Mr. 30) that she'll have no luck for the rest of her life.  This happened to her because she enjoys spending $$ too much, over-project her class & spending ability.  Unless her son's totally different from her, most likely she's going to be a loser(enjoy middle class status & has no money comparable with middle class)

Mr. Chinese History teacher, I think your job is not to teach your students to get upset & criticize the current property price(whether it's too expensive/low, not you & I decide, market decides)  Even Dr Sun Yat Sin(our national father) says his famous quote 100 years ago:the world trend is like a river, only those that flows with it gives a ride to survive!   When I was your age I complain alot because I jealous those that studied less hard than me & more dump than me can make $$ here & there, later I woke up & realize that is reality!  You will have to beat your own odds, that's your calling.  Now I have a son & I'll surely try to tell my younger generation:save your every bit to target at least downpayment for self-living flat, for it's the wisdom to survive in Hong Kong! 

李嘉诚最早也是外来人口，现在他是香港核心价值的代表，香港人亦以他为荣。

真正勤力有价值的香港人为什么要排斥外来人口？排斥那些一年交几十万甚至超百万税，不享受任何福利，不向政府提任何要求，所有时间和精力都贡献给香港经济发展，最后甚至都不享有投票权的人。

那些住在公屋、居屋，从不交税，只会伸手，遇事就上街的人，仅仅因为生在香港，就自以为可以代表香港？可以代表香港的竞争力？

2. The Demand and Supply

Fact sheet in HK

Residential units = 2,600,000 units (2,350k +250k)

Family = 2,350,000 households (730k+370k+380k+870k)

(Tenants) Owner-occupiers in the Public sector Housing = 730,000 households

(Tenants) Occupiers rent from private market = 370,000 units (equivalent 370,000 households)

(Owners) Government subsidized units = 380,000 households

(Owners) Owner-occupiers in private sector Housing = 870,000 households

Units hold by investors = 250,000 units

New supply after repositioning from Policy Address

Public Housing = 15,000 units in 2017 onwards

HOS = 5,000 units in 2016-17 onwards

Total new supply = 20,000 units (size below 70sqm) in 2016-17 onwards

Supply from the Market

New supply in primary market = 25,000 -30,000 units per year

New marriage registration = 35,000 – 40,000 per year (28,121 newlywed in 2007 and 52,000 newlywed in 2010)

New offices from Overseas = 250-280 (new accommodations) per year (about 110,000 foreigners living in HK other than domestic helpers)

Conclusion: The price is driven by the demand side and the holding power is strong.

Can the Housing Policy override the law of demand and supply?

To be continued…

假設一層樓買時已經30~40年樓令, 再過30年咪近70年, 是不是在樓價升時, 選擇性忘了折舊和老化, 或是樓盤會好似古董越老越可愛呢?

而租和買各有好處和壞處, 心眼不要太細.

3. The Economy in 2012

In the 2011/2012 Budget Highlights in the early Feb 2011, it pointed out the following.

1.      6.8% increase in GDP in 2010

2.      4% to 5% increase in GDP in 2011

3.      Annual average growth rate is estimated to be 4% from 2012 to 2015

In the reality, it will be more pessimistic than the forecast in 2012. No need to further explanation here.

Does the mortgage rate matter?

Banks raised their mortgage interest rates because cost of funds increased. Loan demands are rising at a pace faster than that of deposits that explained why Banks also raised fixed deposits rates.

Given the fact that commercial loans (to companies) generate much higher net interest margins (NIM) as compared with mortgage loans, banks are no longer willing to offer mortgage loans at the extremely low Hibor-based rates. It explained the underlying reason was not the money tighter in terms of raising the mortgage lending rate.

The slash of property price is reflected in the current primary property market and secondary market.

Does Hong Kong Property Price hit the peak in June 2011?

Answer: Moment of truth

浩氣長存 : 對於上次我撰文話有關購買力已見頂, 樓市已轉角竟沒有一位樓市好友或物業持有者出言討論實在令我有點失望

Can I answer your question?

業主買家誰怕誰，市場承接日日變，還看香江經濟體，好壞盡顯在樓價!

To: No.40 一個香港人

Ya, HK has problem with the immigration policy.  This is the root cause for the huge wealth disparity.  i.e. keep on allowing non-skilled with low education and no wealth new migrants into HK in the past 20 years, so, creates a huge pressure on our medical system, public housing and welfare system.....

So, we don't really need those domestic helpers to come in to worsen the situation....of course, for foreigners with skills (HK needs) and $$ to bring in, we always welcome them.  Don't argue that this is unfair to them.  Not a single country's immigration policy is fair to everybody.  It should only works for the good of the country.

To No.44 来自内地 

Agree with you that HK's success is a collective efforts of a lot of hard working immigrants.  Even my family were immigrants during 70s.  Though we were super poor immigrants, we lived in roof top wooden quarter in the lousiest area of HK without kitchen and washroom facilities.  We were still lucky cos the economy was surging and it absorbed everyone who was willing to work into the workforce. 

And my family were super harding working, the whole family worked in factories (at my age of 10, I worked in factory in my non-school time as an illegal worker).  And, in the night, we brought back works to do as well (for those old enough, they will know this was the normal phenomenal for those poor families).   

For your info., at that time, we needed to turn citizens (after 7 years you lived in HK as a permanent residents) first to qualify our family to apply for public housing.  So, we couldn't wait so long as our living condition was so bad, we bought a small flat around 400 square ft for 6 of our families in 5 years time with a mortgage interest of 17% per annum.  My mum's hair turned white in 1 year with all the stress.  But we really worked hard and saved hard as a family.  And within 2 years, we paid back all our mortgage.

After working hard and saving hard for 13 years, my parents retired at the age 50. 

I believed that we were only an ordinary hard working migrated families and not really that exceptional.  And we were lucky because the society at that time needed us (as the manufacturing industries were booming like hell).  But nowadays, HK has evolved to tertiary industries that requires only educated and skilled workers.  If the immigration policy doesn't change accordingly to fit the society, HK bound to have a more severe problem in wealth disparity.

Back to your comment about HK people who were born in HK and living in public housing and rejecting new comers/foriegners....that may not be true...I believe that they are only a minority of them but a noisy group.  But a big group of new immigrants they are with low education with no wealth and have problem advancing in social ladder or even surviving in HK, they are adding a lot of pressure in medical, public housing and welfare system of HK.

Most HK people are rational and welcoming to those eligible new immigrants.  But cultural differences are obvious and that will need both parties to work hard to close the gap and make a harmonize society.  So, don't be mad if you encounter any unfriendly HK people.  They are only a fraction in the society....

TO: ABC君及各位

昨天晚上有應酬，很夜才回家。今早讀回應，發覺自己曾經答應ABC君，寫出CY若不能做特首，其中戴德梁行是很大關鍵。但我開始寫，才發覺一篇文章並不能細訴情仇，於是我整理一下，分多篇登出，希望大家喜歡。由於資料敏感，這篇文章不會在雜誌及報章發表，免給他們麻煩。多謝！

To No. 47)

You have a point about the depreciation of old apartments but the main issue is, if you buy flats of 30/40 years history, better buy it on island side/downtown area(which totally make sense, who can afford the new on island side & downtown Kowloon area???)My family just got compensation of a new unit after renovation of the whole building, purchasing price 1.78M in 1991 & selling price of new compensated flat 1680M.  This is not exaggerating but everyday story.

Even my secretary living in Mongkok got compensated with a lump-sum that she can splilt in 2 parts & bought 2 apartments, how's that???

Possible answers are :

1. two individual units combined for a larger flat to accomodate a household

2. some units pay in advance before construction completion (not sure if it counts)

3. some units for Company apartment

4. some units hold by the same owner but they don't want to rent it

5. a couple holds two units under separate names

6. an owner rent the unit to his/her family relative but doesn't report it due to avoid of tax payment

7. some units are too old in a remote village and cannot rent it, it is idle.

8. some units are owned by the mainlanders or space person who treat it as a holiday inn.

9. some units are in old district and the owners are waiting for redevelopment.

10. 50,000 units are vacancy

Does it make sense? Still worry? or Feel better now?

汤生：但是CY好可能做特首，糖糖成个蒙古儿甘，民望同CY相差太大，现在看来，已经不可逆转。我们似乎要接受CY这个伪君子啦。

TO NO.56

正是因为大多数香港人是像你们这样勤力和有胸襟的，香港到今天仍是一个有吸引力的地方。

其实向李嘉诚和博士这样的，想被边缘化都难。只靠排外而想不被边缘化的，也不可得。其实最根本的原因都在自己。

「陳婉嫻問唐唐，是不是要將所有人遷往新界？」

對於這條反智問題，本人十分反感，不吐不快。

第一，港島九龍早已有人滿之患，基於歷史原因，由最有錢的人(住山頂、南區)到最窮的人(住深水埗)都有，他們不會無端端遷往新界，就算政府也不會迫遷港九居民，何來「將所有人遷往新界」？

此乃反智也。

第二，嫻姐在此問題中假設了新界是配套差、交通時間長、不適合基層市民居住的地方，因此才假設將人口遷往新界的政策是迫害市民---事實是，回歸後港鐵開通了東涌綫、將軍澳綫、馬鞍山綫、西鐵綫......交通配套大幅改善，往返市區的時間大幅縮短，由元朗搭港鐵往中環肯定只需40分鐘(有說是30分鐘，本人已計及等車及轉車時間)，所以交通時間長根本不成立。至於新市鎮的配套一早已大為改善，綠化、公園、海濱長廊遍佈各新市鎮......可能嫻姐真的太久沒有前往新市鎮了解現今情況。

此乃刻意無視基建改善也。

第三，以同一資金預算，在新界可以買到比港九大得多、空氣好得多的單位，甚至樓齡更新---舉例說，以中產換樓客的角度而言，大概五百萬的預算，在港九可能只可以購買六百尾、七百頭呎數的單位，但放眼新界，此預算可以購得八至九百呎的靚景甚至海景換樓盤(當然太新太貴的新盤另計)，某些地區更可購得過千呎的大宅......空氣好、地方大、價錢便宜，以居住質素而言比港九更高。

此乃不了解中產住屋需要也。

第四，由於基層市民的職業流動性高，轉工的機會成本低，可以選擇的工種遠較中產或專業人士多，只要肯做，即使是茶餐廳侍應、保安也至少有八至九千元薪金，而新界的食肆及私人屋苑多不勝數，提供無數適合基層的工作，誰說基層一定要在市區打工？

此乃不了解基層勞動市場也。

最後，就是為何不應以港九珍貴地段建公屋居屋---因為政府資助房屋本已耗用公帑，再浪費珍貴地段本應可以透過拍賣所得的收入而興建只可惠及少數幸運兒的資助房屋，是棄大量福利開支之源以博政治正確之掌聲，短視之極。

此乃捨本逐末也！

不智、無視基建改善、不知中產取向、甚至連屬於工聯會範疇的基層勞工就業情況也不甚了解，犧牲地價減少福利開支來源，真的枉為從政者！

一言蔽之：政治正確靠不住，捨本逐末取禍也。