When we first came to Hong Kong and encountered local use of the word “scheme,” we were surprised, as the meanings of this term do vary greatly across countries.  But this one is legitimate, and earlier entries in our site appear for earlier versions of the scheme.  Anyway this plan is sponsored by Hong Kong Government’s Labour Department, and broad rules are in the caption on the back of the 2020 card.  Unused, and two are available.  Grade: 1