Still not getting it! Stagnating body fat.

Why is my body fat not going down but everything else is?

I'm 5.1" and currently 175lbs. My fat mass has only dropped 1% since starting in December 2014 going from 45% to 44%. My BMI has dropped from 34% to 31% and I have lost 8 kg's.

I'm not getting something here. I started off on 1200 calories since I was sedentary but then started exercising hard and couldn't sustain that at 5 hours exercise a week. When I was exercising on average 3 hours a week, MFP put my calorie intake at 1400, I was hardly ever able to eat all of my calories and never ate all of the exercise calories back and lost 5 kg's (±10lbs) between Jan and Feb. During that time I stagnated for 3 weeks on the scale but I dropped two dress sizes during the period where no scale loss was measured.

I fractured my ankle a few weeks ago and was totally sedentary so put my goals back to 1200 calories. I lost 3kgs (± 6lbs) in 4 weeks. I managed to eat to my calories most days and even went over a couple of times.

I am not tired anymore and my eating habits are far better than they were when I started, even though I am still working hard to eat to goal and I am now learning how to manage macros. I will be changing my calorie goals back to 1400 now that I am returning to 3 hours exercise per week. But I want to make sure that the new habits I am creating are the right ones for a healthy lifestyle. Although I plan on including exercise in my life, walking and swimming will be the natural and sustainable form of exercise for me, even if I also do Curves at the moment, lifting weights does not appeal at all but learning how to do workouts using body weight (like planking) is something I think I could do.

Is there anything that I need to change or do to reduce body fat% ?