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Jyutping gau2 ceot1 sap6 saam1 gwai1
Pinyin jiǔ chū shí sān guī

Definitions (CC-CANTO)
  1. a loanshark term, meaning when one borrows ten dollars, one only received nine, but have to repay thirteen
Definitions (粵典–words.hk)
  1. 形容詞、俚語
    謀取​暴利​;​舊時​ ​放貴利​有​「​九出​十三​歸​」​嘅​慣​例​:​借​10​,​000​蚊​,​扣減​1​,​000​蚊​做​手續費​,​到手​得​9​,​000​蚊​,​但​係​到期​要還​13​,​000​蚊​。
    figuratively refer to making an unreasonably high profit; In the past, loan sharks followed a practice - anyone request a loan of $10,000, $1,000 taken as administrative charge. They only get $9,000, and have to repay $13,000 on the due day.
    • 香港樓價升得仲勁過九出十三歸!
      香港楼价升得仲劲过九出十三归!
      Flat prices in Hong Kong rocketed up more than loan sharks' practice!
  2. 近義詞
    新澤西、食水深
Definitions (Wiktionary)
  1. proverb
    When borrowing $10 from a pawnbroker or usurer, one receives only $9 but will have to repay $13.
Examples (粵典–words.hk)
  1. Cantonese
    香港楼价升得仲劲过九出十三归!
    香港樓價升得仲勁過九出十三歸!
    • Flat prices in Hong Kong rocketed up more than loan sharks' practice!