Habibi is a gendered term.
'Habibi' is used towards men (regardless of the gender of the speaker).
'Habibti' is used towards women (regardless of the gender of the speaker).
'Habaybi' when addressing groups.
Expect giggles when you confuse the first two.
it means “my love” but sometimes we also use it like how american southerners say “bless your heart” or africans say “my brother in christ”, so that might why you have a negative connotation of it