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90% less than what? I don't understand your question.

Minimum Deposit 20 SBD
Maximum Deposit ---
Dividend Payments Monthly
APR 45.00%
Effective ROI in 3 months 11.25%

Ok previously I guess the terms were that a part of principal would be included on every payout. Maybe the terms were changed. So we get the principal at the end of 3 months?

No the terms are the same besides the monthly payment change, The first payout was a bonus for early investors which included a portion of the capital.

20SBD * 11.25% (ROI) = 2.25SBD
Seems ok to me.