you can respond using many different Arabic words as: hayati(my life) , rohi(my soul) , albi(my heart), .... so as a respond you should add the word (yes) before any of the previous Arabic words so when she call you (habibi) you may say (yes albi !) = what do u want? but if she's not calling you but just saying the word you also use these words without (yes) as a normal respond to that nice word

Yes = naam

habibi mean my love so you answer habibti