英语翻译Rate of Interest is fixed at 7.5% p.a.(365 days year bas

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英语翻译
Rate of Interest is fixed at 7.5% p.a.(365 days year basis) over HIBOR rate as indicated by The Hongkong Bank in the Hong Kong Interbank market at or about 11 a.m.on reducing balance basis.

利息率固定每年7.5%（365天一年计算）,即为香港银行在香港银行同业市场上午11时左右公布的银行同业拆息率基础上平衡利率.
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再问：主要是不太明白句中的over的意思。因为后面还有个供选择的利率：Rate of Interest is fixed at 2.5% p.a. (365 days year basis) over PRIME rate as indicated by The Hongkong Bank in Hong Kong on reducing balance basis. 如果over是即的意思，那就没有必要写两个选择吧。都会选低的。
再答：即选择一 HIBOR rate on reducing balance basis=Rate of Interest is fixed at 7.5% p.a. 银行同业拆息率+账目手续费=7.5 选择二PRIME rate reducing balance basis=Interest is fixed at 2.5% p.a. 优惠利率+账目手续费=2.5 话说这么专业的信息，建议下次增加一些奖励作为鼓励他人的劳动哦，谢谢！

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