Conditional format reference own cell?

I want to use conditional format to add borders to cells dynamically, like this:

- If cells A or B arent empty, then add a grey border to the bottom of cells A:E
- If cells in the next row of A or B are empty, then add a black border to the bottom of cells A:E

The formula that goes in conditional formatting would be something like this, in pseudo code: OR(Ax!=0;Bx!=0), being Ax and Bx the cells in the row x, which I dont know how to reference.

In the second case I should do the same but adding +1, like AND( OR(Ax!=0;Bx!=0); A(x+1)=0; B(x+1)=0 )

Is it possible to do what I want? Maybe there is a different easier way? I just want to add lines to help reading between the rows, and add a thick line that indicates when its the last cell in the list.

Thanks you

Definition of CF is top left cell. If you select range, eg. A1:D5 and in CF you will set =A1=5 (red) it will colour all cells in range which contain 5
If set will be =$A1=5 it will colour only columns which contain 5
If set will be =A$1=5 it will colour only rows which contain 5
Easier will be if you attach example Excel workbook with what you have and what you want, with details.

If you dont mind I attatch example instead of the orignal doc, but its basically what I want. There are 2 tables, the left one is what the user inputs. The right one is what it is supposed to look like, what the conditional format has to add. In this exemple I put the borders manually.