No, your reading of the regulations is correct but this question is specifically talking about aircraft that "do not respect the regulatory margins" in "some configurations". That is why the answer is 7% not 5%. I have no idea where they get it from.
We think that this question is very misleading and that they should only test the regulatory limits anyway not type specific stuff, but the examiners don't agree. The best we can do for the time being is show you the question and the answer and offer this half-explanation. If anybody can add to this I would love to know more.