Your "analysis" is based on YOUR ASSUMPTION that the difference is based on the standard variable rate for homeowners. The Deputy Governor is smarter than that. He knows that the OCR impacts ALL interest rates which is most likely why HE SAID "As a result, the cash rate today is around 1½ percentage points lower than it otherwise would have been."
If you have an issue with the Deputy Governor of the RBA's analysis of interest rates then I suggest you take it up with the RBA and tell them they are doing it all wrong and you know better.
ROFL
Your "analysis" is based on YOUR ASSUMPTION that the difference...
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