Can't you see the effect of your headlights on cars ???
If you're following a car at a reasonable distance, then every now and then you should see the reflective number plate light up as you hit bumps (do you have reflective number plates over there ?) When you're closer, you should see the cut-off line of the dip beam across the boot of the car. If the interior of the car is all lit up, or you can see the wing mirrors getting lit, then your headlight is too high.
As was said above, an easy check is to face a wall 30-40 m away in the dark and ensure that the light reaches the bottom of the wall, but does not come very far up it - certainly lower than the headlamp. That way you know it is pointing down.
If you're concerned, use the measurements above, but you should be able to check for yourself if you're loaded more than usual by the effect of the light on the road and vehicles ahead.
Just because you can doesn't mean you should.