Phono-semantic — one part hints at the meaning, another at the sound
Example phrases
孩子刚住院,工作又丢了,真是雪上加霜。Háizi gāng zhùyuàn, gōngzuò yòu diūle, zhēn shì xuěshàngjiāshuāng.The child had just been hospitalized, and then I lost my job — things went from bad to worse.
工厂资金紧张,订单又大幅减少,更是雪上加霜。Gōngchǎng zījǐn jǐnzhāng, dìngdān yòu dàfú jiǎnshǎo, gèng shì xuěshàngjiāshuāng.The factory was already short of funds, and orders dropped sharply as well, making matters even worse.
他刚付了医药费,钱包又被偷了,真是雪上加霜。Tā gāng fùle yīyàofèi, qiánbāo yòu bèi tōule, zhēn shì xuěshàngjiāshuāng.He had just paid the medical bills when his wallet was stolen — one misfortune after another.