The white “speckles” you see are special cells called lithocysts, a type of cell in the epidermis of certain plant leaves; these are normal in Ficus species. The red/yellow spots at the leaf tip (although difficult to tell from photos) could be a disease symptom, possibly cercospora leaf spot, caused by a cercospora fungus. Avoid overhead watering of plants to minimize wet foliage and avoid spreading the disease. Water the soil only. You can wipe non-infected leaves with a clean cloth to keep them free of dust, but don’t put water on the leaves. Provide good air circulation in the canopy (among the leaves); you may want to thin them out just a little. Carefully dispose of infected leaves and/or fallen foliage to keep the fungus from spreading.
My ficus has been healthy for 30 years. Every summer I’ve put it on my New York City balcony where it flourished. It lost a leaf or two every few months, I spray it daily and have rarely let the soul get dreamy. Early September a few leaves got what looked like black bugs on the undersides. I brought it inside and carefully wiped down each leaf. My ficus looks healthy overall, but I’m losing about two leaves per day. Would appreciate any advice.