diff --git a/drivers/mmc/host/dw_mmc.c b/drivers/mmc/host/dw_mmc.c
index f5b2bb4..16516c5 100644
--- a/drivers/mmc/host/dw_mmc.c
+++ b/drivers/mmc/host/dw_mmc.c
@@ -401,10 +401,14 @@
 static inline void dw_mci_set_cto(struct dw_mci *host)
 {
 	unsigned int cto_clks;
+	unsigned int cto_div;
 	unsigned int cto_ms;
 
 	cto_clks = mci_readl(host, TMOUT) & 0xff;
-	cto_ms = DIV_ROUND_UP(cto_clks, host->bus_hz / 1000);
+	cto_div = (mci_readl(host, CLKDIV) & 0xff) * 2;
+	if (cto_div == 0)
+		cto_div = 1;
+	cto_ms = DIV_ROUND_UP(MSEC_PER_SEC * cto_clks * cto_div, host->bus_hz);
 
 	/* add a bit spare time */
 	cto_ms += 10;