Where you carry (and lose) your fat is almost entirely genetic. Targeting areas for weight loss is mostly a myth. Beneficial for toning and muscle growth though.
*Also congrats on your success so far!
You can’t spot reduce fat .
Aim for 500-1000 calorie deficit for fat loss while maintaining muscle . Anything more than that will probably result in muscle loss .
It doesn’t matter how you use lose those calories . According to me walking is best since most people find it easy to be consistent with it.
Doing HIIT 1-2 per week is good. Anything more that is hard to sustain