The interest rate is part of monetary policy. If it is reduced, as it needs to be, then this will encourage borrowing by corporations in order for them to grow. They will employ more people, or so the theory goes. This will mean greater economic growth, more employment means more tax is paid to the government. This is why the Reserve Bank is contemplating not just one interest rate cut but two this year. The inflation rate is falling to the lowest within the acceptable band the Reserve Bank is aiming for.
That is what determines the interest rate, viz economic well being on a macro level.
What you do or do not get as a consequence is not the role of the interest rate. If you think it will rise to 5%, then you are dreaming. USA the official rate is lower than ours. The days of 5 and 5 plus percentage are long gone.
