It's a good question you pose, and to be honest I reckon we are nearing the bottom now, and any Hive picked up for 0.65 to 0.70 HBD represents serious value.

I actually started with the HBD savings while waiting for this exact opportunity, but now that I have savings (similar amount than you) I kind of want to leave compounding away at 20% APR.

Tough decision to be fair. I would be really interested to know the inner working of the 20% though and how often the interest is calculated? Is it monthly or quarterly or what? That would be a key consideration in when or if to take it out of savings.