My thoughts too.

While 3% is better than a bank is going to give you for a savings account, using that HP or posting with SBI is going to have a lot better return than 3%.

So until I have 5000 SBI units I will be pushing all my liquid HBD and HIVE into SBI units and from there I will probably stay 50/50 and start stacking some HBD for a rainy day.