The programme percentage will continue to change; but it won't affect those who already have a deposit in place.
If you wish to add more, create a new deposit, it will get 19.5%.
If you break the existing deposit the preferential rate of 20% will no longer apply for that, so you can simply leave that as it is
example (my suggestion):
current deposit: $100 continues to get 20%
new deposit: $100 begins to get 19.5%
example (if you break the deposit):
new deposit: $100 (from old amount) + $100 (new amount) will get 19.5%
If you wish to add more, create a new deposit, it will get 19.5%.
If you break the existing deposit the preferential rate of 20% will no longer apply for that, so you can simply leave that as it is
example (my suggestion):
current deposit: $100 continues to get 20%
new deposit: $100 begins to get 19.5%
example (if you break the deposit):
new deposit: $100 (from old amount) + $100 (new amount) will get 19.5%
Well, if I knew that detail, I would have put more from the start! So, as it is, the faster someone puts their coins into the program, the better.
Since you say that this percentage will continue changing, I guess it won't change upwards but only downwards. Is there any specific number that it will eventually stop changing, or not?