I dont understand why all of PW users suddenly start posting american or UK car specs, american or UK fuel prices and types. They have different mandates for fuel and emmissions requirements than Pakistan.
HOBC is not some medicine or magic elixir, its a type of fuel which can be specced by a manufacturer to use in their engines. The reason higher performance port injection engines required this fuel was due to higher compression ratio - the tighter the squeeze the more the tendency for the fuel to self explode - Higher octane negates this and allows a slower and more controlled burn in those engines. Using this slower burning fuel in an engine already having a lower compression will result in poor combustion and poor performance too. This poor combustion can lead to soot buildup and other problems.
newer DI engines can have incredibly high CR and still work on lower octane fuel as the spray of the fuel is removing the heat from the cylinder charge e.g. newer Mazda DI engines are above 13:1 CR yet still work perfectly well on 87 MON fuel in USA while older mercedes engines with 10:1 CR require 93 MON fuel to operate reliably.
so best stick with whatever your manufacturer has stated in the user manual and if you suspect fuel quality issues then take it up with the blender like PSO etc - your case will be weighted if you have a locally supported car not a gray import.
e.g. If I bring a caddilac escalade to Pakistan, fill it up with regular fuel and it doesnt behave correctly after proof of analysis and I complain to the fuel provider they will tell me to get lost, but if I have a local brand like a toyota corolla - I have a case.