Firstly we have an increase in the total Hive-HBD inflation as this is new inflation - but only by a tiny amount - with 3M in savings being paid out at 20% rather than the current 12% , that's < than a 0.1 % increase to the overall Hive inflation, so even if the amount of HBDs in savings increases 5-10 times, it's still relatively small

What percentage of the total reward pool is accounted for the HBD interest rate(12%)?