85 SWIRE PROPERTIES ANNUAL REPORT 2024 Currency Profile Audited Financial Information An analysis of the carrying amounts of gross borrowings by currency (after cross-currency swaps) is shown below: 2024 2023 HK$M HK$M Currency Hong Kong dollars 27,531 57% 25,243 61% Renminbi 17,337 36% 12,427 30% United States dollars 3,479 7% 3,499 9% Total 48,347 100% 41,169 100% Finance Charges Audited Financial Information An analysis of outstanding borrowings by reference to whether they bear interest at fixed or floating rates is shown below: 2024 2023 HK$M HK$M Fixed 31,076 64% 27,955 68% Floating 17,411 36% 13,386 32% Sub-total 48,487 100% 41,341 100% Less: Unamortised loan fee 140 172 Total 48,347 41,169 The exposure of the Group’s borrowings to fixed and floating interest rates can be illustrated as follows: Fixed Interest Rates Maturing in: Floating Interest Rates HK$M 1 Year or Less HK$M 1 to 5 Years HK$M Over 5 Years HK$M Total HK$M At 31st December 2024 17,333 5,215 24,352 1,447 48,347 At 31st December 2023 13,277 3,301 23,122 1,469 41,169