Equipment Levels are same as Human Power Levels

  You can wield the full power of any equipment at your level.

  A Master Level Equipment will require you to be at the Master Level to fully wield its power.

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  If you are at Expert, you can only wield half the power of a Master Level Equipment.

  At Novice, you can only wield 1/4th the power of a Master Level Equipment.

  Thus , if you are one stage below you can wield half the power.

  If you are two stages below you can use 1/4th the power.

  If you are three stages below you can 1/8th the power.

  If you are four stages below you can use 1/16th the power.