€95k @ 5.25% results in monthly interest of €415 or about €4600 for 11 months.
you are getting 20% relief on this so your years total should be about €915.
In your case the €4600 is below €10,000 so you are below the limit.
If someone paid €15k interest over say 9 months they would get a full years allowance as they would have paid above the €10,000 limit in that year