I’m on UE5.8 with the same settings, and it seems that the black lower hemisphere still persists.
EDIT: Had to swap to Hit Lighting for Reflections. But now it seems that the lower half has a clear cutoff line in which it shades differently from the top.
EDIT2: Back on Surface Cache. Had to uncheck Visible in Ray Tracing for the HDRI geometry.
Thanks to this post here: HDRI doesn't light up environment - #19 by CoolSmek


