With inflation at 4.1% and RBI poised to cut 50 bps by March-2026, floating-rate loans look attractive. Model: ₹50 L, 20 yrs, current 8%. If repo drops 50 bps, floating EMI falls ₹1,650/month, total saving ₹3.9 L. Fixed-reset (7.9% for 3 yrs) gives temporary certainty but resets higher if cycle reverses. We suggest hybrid strategy: choose floating now, switch to 5-yr fixed-reset if repo falls below 5.5%. Keywords: floating vs fixed home loan, repo rate forecast 2025, interest rate cycle.