Adding different layers with different yields is something that can be looked at in the future. The key is to get one thing started and take it from there.
But you are right, there is no reason why other terms cannot be added. We can create an entire fixed income investment tree.
As of now, it is the commitment for the 365 days. Something could be added later or a second layer solution might actually be created to get these assets liquid. A few different ways that could go.
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Maybe the term can be assumable by someone else. For example, the remaining three months can be sold to someone else. As long as the remainder is purchased, the HBD stays locked up. The seller has liquidity and the buyer has a guarantee rate for a shorter term.