Housing, page-15

I feel like this article assumes no one will be able to get interest only loans in the future.
APRA has only limited interest only loans to be less than 30% of all new loans.

If, according to the article, IO loans peaked at 40% then there is only a 10% difference in those wanting IO and those being given IO. So even if only 25% of those who took out IO at the peak can afford to pay P&I, there is not a problem.

Am I wrong?