Applicant studies where the heavily discounted housing estates flats will be located. The home ownership scheme housing are flats that are being developed by the Hong Kong government offering up to 60% discount of the market value offered to the low income families.

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Keywords: agency, apartment, apartments, authority, building, disparity, elderly, flat, fu, home, hong, hongkong, housing, income, kong, lok, ownership, pension, pilot, property, rental, scheme, unemployment