Is there a bug in STM32CubeMX about SDIOCLK?
STM32f103vet6
It's in the manual that SDIO adapter clock (SDIOCLK = HCLK).


When HCLK is set to 72MHz, SDIO_CK is configured through the register SDIO_CLKCR bit 7:0(CLKDIV). When the bypass clock is not used, SDIO_CK=SDIOCLK/[CLKDIV+2], which should be the frequency division of 72MHz

But the default parameter in the code generated by STM32CubeMX is to divide 48MHz.

The two macros in the file stm32f1xx_ll_sdmmc.h are defined for 48MHz, and these two macros are used when calling the HAL SD Init function.
If used in this way, it will cause overclocking.
