Napier closed the gap with a try to substitute blindside flanker Rob Slabbekoorn which was converted by fullback Ethyn Martin.
"At that point it was all on but Palmy had the final say with another penalty with three minutes remaining," Ratcliffe said.
Napier lost the services of Hurricanes under-18 prop Jayden Walker with a shoulder injury early in the match. Walker was one of 11 Year 13 players who played their final match for the Sky Blues.
"We don't lose quite as many as last year. I couldn't be more proud of what those 11 players have given this team and their school community. The Year 11 and Year 12 players who were given plenty of opportunities this season will have learnt from the experience and will have a big responsibility next year," Ratcliffe added.
One of those is prop Mitchell Curran who coped admirably when he replaced Walker.
Co captains, inside back Henry Williams and lock Frank Lochore, prop Jake Ward, lock Tom Lourie, Slabbekoorn, loosie Austin Soanai, centre Jack Sheridan, halfback Angus Kilmister and wingers Hayden Saunders and Caleb Turner were the other Year 13 players who had their final outing in NBHS colours today.