Hard link fails on same mount-point

[MR ZenWiz]

I'm running Xubuntu 24.0. I tried to link a file in my
~/Documents/excel directory to my ~/Downloads directory:

$ ln ~/Documents/excel/CriticalExpenses.xls ~/Downloads/
ln: failed to create hard link
'/home/admar/Downloads/CriticalExpenses.xls' =>
'/home/admar/Documents/excel/CriticalExpenses.xls': Invalid
cross-device link
$ df ~/Documents/excel/ ~/Downloads/
Filesystem      1K-blocks      Used Available Use% Mounted on
/dev/sdb1      1921742316 961634300 862415960  53% /home
/dev/sdb1      1921742316 961634300 862415960  53% /home/admar/Downloads

I do have ~/Downloads bind mounted to /home/Downloads:

$ mount | grep Downloads
/dev/sdb1 on /home/Downloads type ext4 (rw,relatime,errors=remount-ro)
/dev/sdb1 on /home/Downloads type ext4 (rw,relatime,errors=remount-ro)
/dev/sdb1 on /home/admar/Downloads type ext4 (rw,relatime,errors=remount-ro)

Is there a way around this error, other than unmounting the bind mount
/home/Downloads? They're still on the same /home filesystem.

TIA...

MRZ