早前，多間報章都引述林鄭月娥接受外電訪問，指出根據政府數字，一般小市民的「供樓佔入息比率」達70%，而政府目標40%，認為樓價仍會下調。撇除「供樓佔入息比率」70%是否反映香港實況這因素外，究竟政府是否有目標將「供樓佔入息比率」定為40%？若果政府真有計劃將「供樓佔入息比率」降至40%，可側面反映到政府寄望私樓樓價回調幅度。

　

 

　　套用政府計算「供樓佔入息比率」基礎，以現時私樓家庭收入39,700元，要達至「供樓佔入息比率」為40%，每月供款不應多於15,880元。以政府假設7成按揭、攤分20年還款期，及現時銀行2.375厘息率計，倒轉頭計一計，樓價應為440萬才是合理價格。對照現時一層中小型住宅702萬元，樓價要再回調37%才達政府預算。

　

　　回調37%，化作「樓價指數」去望望，應該會較為具體。以本周「中原城市領先指數」170點計，如果政府透過行政手段令樓價再跌37%，樓價指數大約回調至108點才是目標水平，相當於時光倒流至2012年9月份。

　

　　問題是，「供樓佔入息比率40%」是否真的是「政府目標」？

　

　

　　我們再重聽林鄭外電訪問。

　

　　訪問中，林鄭指出，過去香港長時間的「供樓佔入息比率」維持於40%水平。針對資助房屋政策，她也是以40%這個指標去定價。如果一個私樓家庭能用40%作為供款，她相信是「較為合理」，言談間似乎未有定下「目標」的意思。從各項數字，她也幾肯定仍有空間作出樓價調整。之後記者有問及市場估計，樓價仍有10%調整空間，林鄭就補充，作為官員不會作對樓價走勢作猜測。

　

　　雖然大家仍覺得樓價會調整，也希望可回到合理水平，然而反覆細聽她的訪問，若一刀切指出「供樓佔入息比率」40%是政府調控私樓樓價指標，似乎又有點「言過其實」。

　

　

林鄭月娥訪問筆錄原文：

　

林鄭：Secondly, in terms of affordability, we have an index to measure the affordability, that is the amount of income that average family has to put into a small sized flat. That affordability index is over 70%. So where the average for a very long period in Hong Kong is around 40%, and my new housing policy to price the public subsidized flat is also benched mark at around 40%. So for average family to spend 40% of their household income on buying a flat with mortgage, I think it is more reasonable. So if you look at that sort of figures, there is certainly still some room for correction

　

記者：some of the market said there is a further 10% could come through....

　

林鄭：That is the market speculation. As a government official, I'd better refrain from speculating the property movement, but I do feel that for us to grow out economy in a healthy manner, and somehow less grievances on working and living in Hong Kong, more affordable price in property is desirable. //

　

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