@Tanteh
As long as there is no air in your mask, filling the loupe with water seems to be a valid test. I am not sure why this is so, since I would expect adding water to the outside of the lens to change the focal length, but this does not seem to be the case. When you add water to the outside, it does seem to reduce the magnification of the water-filled loupe (which is a good thing).
My plan is to make open-goggles that allow the lens to swing in front of my eyes when I'm under -- that way I can just flip the lens up when I'm on the surface and lower it when I'm under water. The only problem with this approach is the risk of infection or eye irritation when I'm in unclean water, in which case I'll use the old-fashioned, air-filled mask (and keep a loupe handy for emergencies).
While on the topic of masks, note that everything changes when your eye is "in-air" vs when it's "in water", which may be the issue that you are addressing in your post. In that case, the lower index of refraction of air makes it easier for a lens to do its thing and more importantly, your cornea and lens actually function. When you are in water, the index of refraction of the cornea, aqueous humor and lens are very close to the index of refraction of water (1.33), which means that they cannot focus at all. This makes us infinitely far-sighted under water. When you add a glass lens to this system, the problems caused by water actually become potential benefits because the close match between water's index of refraction and that of the eye's focusing mechanisms effectively eliminates them from the equation. That means that if you have vision problems that are related to anomalies in the shape of the cornea/lens etc, they are eliminated as well.
At any rate, it is easy enough to experiment with this -- just grab a 10x loupe and jump in the pool