Are you talking over 100% of your salary, including housing? I'm on year 4 SO, and have a housing in excess of 65K, so my housing is more than 100% of salary, but the way they view it is 46k + 65k = 111k \ 2 = 55.5K. So if dealing with the HKMC, they normally will not allow a payment higher than 55.5K. Maybe there are some special circumstances that allow you to do so, but I don't know of any. If you are below 70% of value on your mortgage, then you can make it what you want, within reason.