Percentage Applications

Basic

Discount, interest, growth rate — percentage used in daily life.

For:Secondary 3 Mathematics · Unit:Number & algebra · Lesson 6 of 37 in the learning path

After this lesson, you can:
  • % to decimal = divide by 100
  • Discount: multiply by 0.xx
  • Find original = divide, not multiply
數學Mathematics

1Summary 重點摘要

Discount, interest, growth rate — percentage used in daily life.

2Vocabulary cards Vocabulary

P
Percentage百分數

Out of 100. Symbol: %. e.g. 50% = 50100 = 0.5.

D
Discount折扣

Price reduction. e.g. 20% off = original × 0.8.

O
Original price原價

Price before discount.

S
Selling price售價

Actual price after discount.

I
Interest利息

Extra money paid/earned for borrowing/saving.

P
Principal本金

Original amount borrowed/saved. e.g. save $1000, principal = $1000.

I
Interest rate利率

Interest as % of principal. e.g. annual rate 5%.

G
Growth rate增長率

How much quantity increased in %. e.g. population grew 10%.

3Step by step Steps

  1. 1. % to decimalConverting a percentage to a decimal is division by 100: 50% = 0.5; 25% = 0.25; 8% = 0.08; 120% = 1.2. The symbol % means 'divide by 100', so 8% is not 8 but 0.08. Backwards, a decimal becomes a percentage by multiplying by 100: 0.35 = 35%. A common error is computing with 8 instead of 8%, e.g. writing 200 × 8% as 200 × 8 = 1600, a hundred times too big; convert to a decimal or fraction before multiplying and the error cannot happen.
  2. 2. Discount: 20% offWorking a discount: an item originally $200 at 20% off — paying 80% — sells for 200 × 0.8 = $160, saving $40. Note that '20% off' and 'paying 80%' describe the same event. Another: 25% off means paying 75%, and 200 × 0.75 = $150. A common error is reading 20% off as paying 20%, computing 200 × 0.2 = $40 — the price and the saving have swapped places; remember, the discount figure is the fraction paid, and the reduction is 100% minus that.
  3. 3. Discount: buy 2 get 1 freeBuy 2 get 1 free: a pen costs $10; buying 2 and getting 1 free means paying for two and receiving three — 2 × 10 = $20, so the average per pen = 20 ÷ 3 ≈ $6.67, about 67% of the original price, i.e. roughly a 33% saving. Two common errors: assuming the average is 10 ÷ 2 = $5 (forgetting that $20 buys 3 pens); or writing 20 ÷ 3 as exactly $6 instead of about $6.67. The method: compute the total actually paid first, then divide by the number actually received.
  4. 4. Simple interestThe simple interest formula: interest = principal × annual rate × years. Example: $1000 deposited at 5% a year for 2 years earns interest = 1000 × 0.05 × 2 = $100, and the total = 1000 + 100 = $1100. Note the rate must be a decimal — 5% becomes 0.05. Common errors: forgetting the years, giving only $50 of interest; or confusing the total with the interest. The check: $100 is exactly a tenth of $1000 — 5% a year for two years — so the figures make sense.
  5. 5. Growth rateThe growth rate formula: growth rate = (new − original) ÷ original × 100%. Example: 500 students last year, 550 this year — the rise is 550 − 500 = 50, and the growth rate = 50 ÷ 500 × 100% = 10%. The denominator is the original (last year's 500), never the new value. A common error is computing 50 ÷ 550 ≈ 9.1% and calling it the growth rate; the check multiplies the original by (1 + 10%) to get 550, back to this year's number, confirming 10%. The same formula covers falls, giving a negative result or a percentage drop.
  6. 6. Find original priceFinding the original price from the discounted price uses division. Example: an item sells for $160 at 20% off, i.e. original × 0.8 = 160, so original = 160 ÷ 0.8 = $200. Verify: 200 × 0.8 = 160, back to the selling price, correct. A common error is computing 160 × 0.8 = 128 — multiplying where division is needed; think about the direction: original-to-price multiplies by 0.8, so back to the original divides by 0.8. These 'find the original' questions appear constantly in exams and must be fluent.

4Diagrams Diagrams

百分法應用:稅・按揭・增長 Applications薪俸稅應課稅收入 × 稅率有免稅額先計漸進稅階逐層計按揭供樓複利息概念月供有本有息利率升 1% 影響巨大增長率連續增長乘埋÷1.05 反推原本新舊值基數要分清共同核心:新值 = 舊值 × (1 ± r%);搵舊值就除返易錯:一件嘢加價 10% 後減價 10%,唔係原價(×1.1×0.9=×0.99,蝕 1%)技巧:百分比問題畫箭嘴圖(原價 → 加價 → 售價)最唔易亂
Fig. 1: Percentage applications

5Worked example Example

Example: a shirt originally costs $300 and is sold at 25% off; what is the selling price?

  1. Understand the discount first: 25% off means paying 75% of the original, which is the decimal 0.75.
  2. Compute the price: selling price = 300 × 0.75 = $225.
  3. Compute the saving: 300 − 225 = 75, i.e. 25% off — matching the wording of the discount.
  4. Verify: 225 ÷ 300 = 0.75, so the price is exactly 75% of the original — the answer is correct.
  5. Answer: The selling price is $225, saving $75. Method: 25% off means multiplying by 0.75 — 300 × 0.75 = 225; the check 225 ÷ 300 = 0.75 agrees on both sides. Note that 25% off means paying 75%, not paying 25% — the classic trap.

6Common mistakes Mistakes

✗ 20% off = pay 20% ✗
✓ 20% off = pay 80% = ×0.8.
✗ Find original: 160 × 0.8 = 128 ✗
✓ Find original: 160 ÷ 0.8 = 200.
✗ Interest = principal × rate ✗ (missing years)
✓ Interest = principal × rate × years.
✗ Growth = 50 ÷ 550 ✗
✓ Growth = increase ÷ original = 50 ÷ 500.

7Quick check Quick check

Q1Shirt original $200, 20% off, sale price?

Q2Save $1000, annual rate 5%, 2 years, interest?

Q3Last year 500, this year 550, growth rate?

Q4Sale $160 (20% off), original price?

Q525% as decimal?

8Recap Recap

  • % to decimal = divide by 100
  • Discount: multiply by 0.xx
  • Find original = divide, not multiply
  • Interest = principal × rate × years
  • Growth = increase ÷ original

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