【明報專訊】THE policy address recently published puts a lot of emphasis on bread-and-butter issues, with the problem of housing taking precedence over any other matter. The pilot "Starter Home" scheme for first-time home buyers and the regularisation of the Green Form Subsidised Home Ownership Scheme (GSH) and the Interim Scheme of Extending the Home Ownership Scheme Secondary Market to White Form Buyers are all intended to rebuild the property ladder. They demonstrate the unquestionable determination of the government to help Hong Kong people buy their own flats. However, the needs of people who are waiting to buy their own flats and those living in subdivided flats must not be ignored.