Correct option is B
Given:
HMS, MTB, SBL, ZKW, ?
Logic:
Alphabetical jumps increase step-by-step for each letter position.
Alphabetical jumps increase step-by-step for each letter position.

Explanation:
1st letters:
H +5 → M
M +6 → S
S +7 → Z
Z +8 → H
H +5 → M
M +6 → S
S +7 → Z
Z +8 → H
2nd letters:
M +7 → T
T +8 → B
B +9 → K
K +10 → U
M +7 → T
T +8 → B
B +9 → K
K +10 → U
3rd letters:
S +9 → B
B +10 → L
L +11 → W
W +12 → I
S +9 → B
B +10 → L
L +11 → W
W +12 → I
So, the missing letter cluster is HUI.
Thus, correct option is (a).