For the next 50 per cent, however, the charge is the Base Rate plus 5 per cent, or the overnight Hong Kong Interbank Offer Rate (HIBOR) of the day, whichever is higher.

• 至于超出总数一半的借款，超出部分则须按基本利率加五厘，或当日的港元隔夜银行同业拆息(以较高者为准)支付利息。