My stats:
35.83% Crit
48 Hit Rating (~3.04% Hit)
Banshee Curse: -66% Hit
Adjusted Hit Chance: 95 + 3.04 - 66 = 32.04
Target: Level 70 (Shadowy Necromancer) - no debuffs on mob affecting Hit
In this scenario, my crit chance is almost 4% higher than my hit chance.
Using a 1-roll system, there is no way I would see anything other than MISS and CRIT on a Level 70 target.
Stripped combat log:
1/30 21:28:24.412 You are afflicted by Banshee Curse.
1/30 21:28:25.583 Your Steady Shot missed Shadowy Necromancer.
1/30 21:28:25.802 Your Auto Shot missed Shadowy Necromancer.
1/30 21:28:27.240 Your Steady Shot missed Shadowy Necromancer.
1/30 21:28:27.552 Your Auto Shot hits Shadowy Necromancer for 843.
1/30 21:28:28.833 Your Steady Shot missed Shadowy Necromancer.
1/30 21:28:30.099 Your Auto Shot missed Shadowy Necromancer.
1/30 21:28:31.068 Your Auto Shot missed Shadowy Necromancer.
1/30 21:28:31.896 Your Steady Shot missed Shadowy Necromancer.
1/30 21:28:32.365 Your Auto Shot hits Shadowy Necromancer for 827.
1/30 21:28:33.568 Your Steady Shot missed Shadowy Necromancer.
1/30 21:28:34.240 Your Auto Shot missed Shadowy Necromancer.
1/30 21:28:34.427 Your Multi-Shot hits Shadowy Necromancer for 989.
I stopped the combat log shortly after this. Banshee Curse was still on me at the time, which is why a 'Banshee Curse fades from you' message is not displayed here.
Hunter shots are 2-roll, both Auto Shots and specials.