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Default I need conditional formatting to apply to maximum %

Working in Excel, I have a formula which works out a percentage.
This percentage needs to be 40%, at which time the formatting will kick in.
However, one of the figures i enter can vary by £3 and still the result is
40%, due to decimal places.
I need the conditional formatting to come into play when the value is set to
the maximum amount possible before changing to 41%.
ie
payment 12,000
Charge 4799
total 40%
or
payment 30,000
Charge 7334 or 7335 or 7336
total 40%
 
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