The APR isnt going to 30%, the haircut rule is. That means that if the value of HBD, in USD, reaches 30% of the value of HIVE, in USD, the blockchain stops producing HBD for payouts. Instead, it offers liquid HIVE along with HP.
APR for HBD in savings is totally in the hands of the witnesses. They are free to change it to whatever they want.
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Oh, I got that wrong, thank you for the explanation, hopefully, the new rule will not hurt the way payment has been made previously, like paying lesser with HIVE than it was with HBD