claim只是一部分原因，主要是投资回报我发现您还真不仔细读 Q Why is there a Home Protection Scheme premium rebate exercise? A Members pay Home Protection Scheme premiums that are actuarially fair. Notwithstanding this, better-than-expected investment gains of the Home Protection Fund and prudent management resulting in lower-than-projected claims experience allow the Board to offer a premium rebate to members while maintaining the long-term sustainability of the Fund.