Very unlikely you can reach 10% and maintain it. 15% already good enough for most people.

3 months time dropped 2kg is making progress. Continue it. Make sure you're counting calories accurately. Dont cheat.

Normal for you to lose appetite as you already get used to it and you didnt do any intense activities so your body not so demanding on energy.

Your body will tap the easiest source of fat on the upper body. The last bit of fat to lose usually lower belly which is why its called stubborn fat. Everyone is different so some people (mostly women) can be in thigh.

Dont freak out when your body reacts. Give it some time. The reason your weight fluctuates mostly due to water weight. When you do weight training your body will store more glycogen (water weight).

Lastly, you need weight training and protein to preserve muscle mass. Protein alone not sufficient. If your main goal is to get lean then weight training (build muscle mass as it uses more calories) + cardio is the best combo.

My take on starvation mode is your body will make u lazy. So its less NEAT. You will feel sluggish, less hyped, lazy, etc.. all the things that makes you move less.

Your body still will burn fat and protein broken from muscles not like totally using muscle and store fat instead.

Hence we need to consume more protein & do resistance training to minimize.. not to prevent ..

Using cardio to be on calorie deficit is better approach. If you can do a hell lot of cardio then that's better as your body will get more macro/micro nutrients.. A lot healthier ..

Ppl who totally cut off foods to be on calorie deficit will have less nutrients, moody, hangry, and so much more. Harder to sustain and its not healthy as you lack of nutrients.

Don't be afraid to add more calories to feel better. You need a diet that you can sustain. Don't do drastic changes later hard to switch in-between bulking/cutting.

Use cardio or NEAT to burn off the extra calories.