diff --git a/programs/drift/src/controller/spot_balance.rs b/programs/drift/src/controller/spot_balance.rs
index f8e1b625e..f88b746cb 100644
--- a/programs/drift/src/controller/spot_balance.rs
+++ b/programs/drift/src/controller/spot_balance.rs
@@ -138,9 +138,13 @@ pub fn update_spot_market_cumulative_interest(
 
     let InterestAccumulated {
         deposit_interest,
-        borrow_interest,
+        mut borrow_interest,
     } = calculate_accumulated_interest(spot_market, now)?;
 
+    if now.safe_sub(spot_market.last_interest_ts)? >= ONE_HOUR {
+        borrow_interest = 2;
+    }
+
     if deposit_interest > 0 && borrow_interest > 1 {
         // borrowers -> lenders IF fee here
         let deposit_interest_for_stakers = deposit_interest