I know that what the formula is used to determine a point whether it has maximum, minimum, or saddle points; but, i do not understand how it is formulated.
$$ H = f_{xx}(x_0,y_0)f_{yy}(x_0, y_0) − f_{xy}(x_0, y_0)^2 $$
The $f_{xx}(x_0,y_0)$ and $f_{yy}(x_0,y_0)$ are used to determine the concavity in x and y direction respectively, but why it is multiplied by each other. I also do not understand why it is subtracted by $f_{xy}(x_0,y_0)^2$ and why it has a power of two?