Your probably right. However, it says the return is up to 13.13% with 2.94% being the increased value of HP over time meaning up to 10.19%. Realistically it will be less and I'm totally expecting that.

Then again, if I actually get the HP I can upvote my favorite authors on HIVE so if I lose a little bit but they get a bunch of bigger votes I'll call that a win also :)