It's the sign of D that matters not fxx,fyy, or fxy individually.
If D < 0 that is fxxfyy < (fxy)^2 you have a saddle point.
For an example, consdier f(x,y) = x^2 - y^2, a hyperbolic paraboloid (or more informally a saddle). Think of it as a pringle chip.
Find the critical points
fx = 2x =...