NIB vs Halifax - confused

Thanks, I'm glad I read this..

Equity NIB Rate Halifax Rate
25% 4.75% 4.75% (for a loan of 220k)
30% 4.70% 4.75% (for a loan of 210k)
35% 4.65% 4.75% (for a loan of 200k)
40% 4.60% 4.75% (for a loan of 180k)
50% 4.50% 4.60% (for a loan of 150k)