A creature of habit means a person who prefers fixed routines and familiar ways. The correct answer is this meaning because the expression is used figuratively, not only by its literal words.

Examples:

• My grandfather is a creature of habit and reads at the same hour every day.
• In an HSC essay, A creature of habit can express this meaning: a person who prefers fixed routines and familiar ways.
• When this expression appears in a passage, connect A creature of habit with the idea of a person who prefers fixed routines and familiar ways.