Random staking question....

So if CAIx has an annual inflation/interest rate of 5% a year, and I am staking with 1000 coins, and hypothetically I was the ONLY person staking, would that mean at the end of the year I would earn 50 coins, or (1.6M x 5%) = 80,000? 

Or asked another way, if I staked for a year, 5% is the minimum rate based on if everyone is staking?  And you get a higher rate when fewer people are staking?

Thanks!