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Ok, that was not visible from your field plot.

But yes, I now see that your Polar model has a bottom ground, and your HFSS model (and cable) does not have that ground. So that is a big difference indeed.

In this case, HFSS is the more accurate model. If conductivity = zero in Polar gives the same result, that is fine, but in general I would trust HFSS then because it models your physical structure (no ground plane).