Manufacturers of heat pumps recommend a flow temperature of approximately 20 °C for the cooling function. At an air temperature of 25 °C and a relative humidity of 70 %, the dew point is not reached until a temperature of 19 °C. On average, the relative humidity in the house is between 50 - 55 %, so a dew point undershoot does not occur.
The upper humidity of 65 % should not be exceeded according to EN 814 T1 - T3 and DIN 1946.
Cooling through surface systems is part of a gentle tempering system, whose application is enabled by the excellent thermal insulation commonly used today. The best thermal insulation and a floor heating system adapted to the additional cooling function ensure flawless operation. When using surface systems for cooling, it is important to limit the surface temperatures or water temperatures to avoid condensation. One option is to specify a minimum flow temperature. For floor heating systems, the minimum flow temperature should not be chosen below 18 °C. In practice, for residential buildings in cooling mode, a flow temperature of 18 - 20 °C and a return temperature of 21 - 23 °C are assumed.
Otherwise, the topic of dew point monitors – have you had any installed? Then you can handle the temperature more "actively."