High-harmonic generation (HHG) in bulk crystals exposed to intense mid-infrared lasers with photon energies below the bandgap is investigated theoretically. A three dimensional, two-band model that considers both interband and intraband currents is used. It is shown that the interband current is the dominant mechanism for HHG in solids. A physical interpretation of interband HHG – similar to atomic HHG – is provided by saddle point analysis. The effects of dephasing time and driving field wavelength on the harmonic specrum are investigated.