While obviously how you do things is up to you, I disagree with a lot of the underlying logic involved.
I do not know anything about JFinHK but for the sake of interpreting the situation say started at 100kg , lost 16 wants to lose 10 more. I cannot work out BMI without height, but it is going to be low 30's to mid to high 30's.
So on a low dose of reta at 2.5mg you have lost 16% body weight which is better than average, but you want to lose 26%, and are stalled at that low dose, there is no sensible alternative to increasing the dose so it can do its job.
It almost sounds like some sort of self torture for no good reason to try to do it without the drug helping you as well as it can. You have said nothing about side effects limiting the doses, so I assume you are limiting the dose from advice I would regard as bad advice from the naturopath , and trying to do it by self control with just a little help from reta.
There is no doubt that people can lose weight short term by self control, but hardly anyone ever succeeds in keeping weight off long term that way.
On the other hand drugs like retatrutide can solve the problem long term by simply taking them and staying on them once the weight is lost. Given your response so far you are likely to do well on a higher dose and have a very good chance of getting to your target. Now is basically the first and only time ever there has been a treatment option for obesity that actually works and works well, and while it is at it improves blood sugar , blood pressure, lipids and most likely reduces the risks of many serious long term health issues caused by overweight and obesity.
While you do not suffer from severe obesity ( I am guessing without the right numbers ) the degree of overweight is definitely enough to increase long term health risks of both serious illness and in some ways more importantly reduced quality of life either from health consequences or the social disadvantages of being overweight or obese.
I think a lot of societies' uninformed opinions, biases and bigotry about obesity gets internalised, so a lot of people with obesity feel it is their fault and they should be able to control it as that is what they have been told most of their life.
My way of thinking is choose the options that work, even better if there is solid scientific evidence to support what treatment options work.
Trying to achieve long term weight loss and maintenance from diet exercise and willpower is unlikely to succeed, maybe 5%.
Doing it with retatrutide is going to have vastly higher success rates, not 100% as some people will not tolerate the side effects and some will respond less well than average . But going on the studies with an average weight loss of 29% in a year or so, the odds of losing 26% of your weight and keeping it off long term are better than 50/50, and given your response to low doses probably a lot better than that.
It is not bad for you , addictive or immoral, and it is hard to see many downsides , it cannot be cost as the legit version is not even out yet. It makes a lot more sense to increase the dose to the dose that causes the weight loss you want to achieve .