A row over a $20 loan led to an arson attack on a Yau Ma Tei flat yesterday in which one man died. Chow Chiu-ki, 61, jumped to his death from the building. To Chiu-kin, 41, fell as he tried to escape the fire and was in fair condition last night. Mr To is the son of the flat's principal tenant To Ki. Police and firemen believe Chow started the fire after the elder Mr To's wife, Chan Kwai-ho, refused to lend him $20 to buy breakfast. To Ki, 69, and his wife, Chan Kwai-ho, discovered the blaze when they returned home from a restaurant. Ms Chan said: 'The man asked me to lend him $20 to buy breakfast at about 5.30 am. I refused and went out to the restaurant with my husband.' Chow, a retired watchman, had lived on welfare since 1994 and received about $2,400 in monthly government grant including rent. He paid $550 for a bed space. To Ki said the flat was government property and he collected rent on its behalf. Four other occupants, aged between 12 and 66, were overcome by smoke during the blaze. About 10 people had to be evacuated from the five-storey building at the junction of Shanghai and Hamilton streets. Police found signs the fire had been started deliberately near a bunk bed in the third-floor dormitory. A can containing inflammable liquid was found nearby. There are six bedrooms and three bunk beds in the 720-square-foot unit. Mr To and his family occupy four bedrooms and pay about $1,500 rent. Another six tenants, mainly elderly, pay between $1,000 and $500 for two bedrooms and four bed spaces in three bunk beds. There were three men in the flat when the fire broke out: Chow, Lip Kun-sui, 59, and the younger Mr To. Mr Lip, a noodle shop worker, said he woke to hear Mr To shouting 'fire'. 'We tried to put out the blaze with buckets of water but it spread into the bedrooms and other areas. I ran out of the flat, but To rushed to the kitchen to get water and ignored my warning,' he said.