A 50 BP increase in interest rates means a 50% increase on the basis of interest rates. For example, the interest rate is 5%, which is 7.5% after 50 BP rise. Multiply by a multiple on the original basis to directly increase a fixed number of points. For example, the benchmark interest rate for one-year deposits is 1.5%. Plus, big banks are only allowed to float 50bp, 1.5%+50bp = 2%, while the previous multiple calculation is 2.25%, which is lower than that of deposit interest rate.