Gearing ratio and Borrowing %

I’m currently going through the video. Under the REITs section, it states that the borrowing limit for Singapore REITs is 45%. Under the Gearing & Interest Coverage Ratio section, the gearing ratio is also shown as 45%. However, under Business Risks for REITs, it mentions that MAS regulations allow REITs to borrow up to 50% of total assets. I asked an AI about this, and it replied that the gearing ratio/borrowing limit for S-REITs is 50%. Could you clarify, has the borrowing limit increased to 50%, or is it still officially at 45%? Also, is there a difference between the “borrowing limit of 45%” and “borrowing up to 50% of total assets” as mentioned? Thank you!