For driver Kwok Siu-wah, the dream of buying his own home came within reach yesterday. Mr Kwok, 28, who lives with his parents on Kornhill Estate, Quarry Bay, had wanted to buy a flat for himself and a wife if he wed. But until yesterday, the 30 per cent down payment meant he could not afford to. Now he plans to buy a flat of between 500 sq ft and 700 sq ft in the same district at a cost of more than $2 million. Mr Kwok, who earns $15,000 to $20,000 a month, has applied for the Home Starter Loan Scheme. On learning the home loans ceiling had been raised from 70 per cent to 85 per cent yesterday, Mr Kwok, with his mother, went to check prices at several property agents. His mother said: 'We have always wished Siu-wah could have his own flat, for himself and his wife when he gets married. But we never thought it would be possible even with the family's help.' Mr Kwok said: 'It all sounds more realistic for me now.' The higher loan will mean bigger monthly instalments for Mr Kwok and the total loan offered by the bank will remain unchanged at 50 per cent of his salary.