well GGG,
You will get below 5.5% probably quite easily one would think...

the OCR is at 3.5%...
this coming thursday there is an OCR announcement...
likely to be 100 point cut slaying...
down to 2.5%...
could be 50pts to 75pt cut....
more likely 100 I reckon....

OCR now likely to keep falling to 2% or even 1.5%....
wait wait wait before you want to fix...
later...

.^sc