The HBD stabilizer is a bot, supported by the HIVE Decentralized Fund, that receives, converts and trades HBD.

The fund is funded by the DAO. It existed before the rate hike and will continue to exist after the hike.

It appears to me that this account is independent of the savings rate.

I figure that the HBD Savings Richlist is the best source for analyzing HBD Savings.