Answer:

Introduction:
The correct answer to the question "We are playing chess?" is option 'b' - "Chess is being played by us." In this answer, the present continuous passive voice is used to describe the ongoing action of playing chess by us.

Explanation:
To understand why option 'b' is the correct answer, let's break down the options and analyze them individually.

a) Chess had being played by us:
This sentence is in the past perfect continuous passive voice. It suggests that the action of playing chess had started in the past and continued up until another point in the past. However, the original question is in the present tense, so this option is incorrect.

c) Chess has being played by us:
This sentence is in the present perfect continuous passive voice. It implies that the action of playing chess has started in the past and is still ongoing. However, the original question is asking about the present moment, so this option is also incorrect.

d) Chess was being played by us:
This sentence is in the past continuous passive voice. It suggests that the action of playing chess was ongoing in the past but has since been completed. Since the original question is asking about the present moment, this option is also incorrect.

b) Chess is being played by us:
This sentence is in the present continuous passive voice. It accurately represents the ongoing action of playing chess by us at the present moment. The subject "we" is performing the action of playing chess, and the verb "is being played" indicates the passive voice. This option correctly matches the tense and voice of the original question.

Conclusion:
The correct answer to the question "We are playing chess?" is option 'b' - "Chess is being played by us." This option reflects the present continuous passive voice, which accurately describes the ongoing action of playing chess by us at the present moment.