1-2 months = 12% annualized
. 3 months = 10% annualized
. 4-5 months = 9% annualized
. 6 months = 8% annualized

First I wondered, why it's below 12 % as you could just put your HBD into the savings. But I'm sure you have thought about that.

What I'm still not sure: Why does it say different percentages in the last picture?

1 month = 7.2 % annualised
2 month = 7.5 % annualised
...

It's different in numbers and concept ( longer time = higher annualised interest rate).

Did I get something wrong?