If two or more times of the scenarios that “the accumulated early repaid non-HML debts for each month with repayment amount greater than 50% of the recognized average monthly disposable income (“monthly DTI Income”)” are noted within 4 calendar months before the HML application date, action should be taken to request for justification and evidence todemonstrate all the fund for early repayment is self-owned. If there is no sufficient evidence for a reasonable justification, the DTI of all debts for this application should be no more than 50%.