I think you are ok and the value in hive is too (each HBD gives you one US dollar worth of Hive which is good when HBD is worth around 1 USD itself) but not if HBD is worth a lot more than 1 USD.
But anyway most use "market" where you can instantly trade HBD to HIVE and vice versa. The stabilisor tool of hive witnesses offers portions of 100 HBD there always (buy and sell)
here a tool what you got on rewards and what is pending