Let's see how this change will turn out in couple of months.
People should chill, it's just 5% drop and still 15% is relatively too high compared to anywhere else.
I believe APR of HBD should be adjustable depending on cycle.
Like in last year binance was offering 20% Apr on usdt but now it's less than 5% when market is down.
Should try same with HBD to see how it makes progress.