I live in a 2004 built house that has a geothermal heat pump, the house is big at around 3500 so ft.
As pointed out above the technical assessment for the heat pump is not really fit for purpose as it doesn't require an airtightness test, the HLI is just based on default values and takes no account of how well buikt the house is.
Our house is not that airtight so we've big bills. We are working our way through rectifying this, eliminating the ridiculous number of downlighters in the house, installing insulated plasterboard in all roof areas (making sure the guys seal between the boards!), new doors and windows, might get aerogel (thin insulation) installed in all sills, we've beefed up attic insulation where we can hand have membranes where we can. My point is heatpumps are not super cheap if the house is not airtight and airtightness become more important as you improve the insulation I.e. lack of airtightness has a more proportionate impact
The other point with heat pumps based on my experience and our underfloor heating setup is you are heating the house continuously so you are potentially heating more than you would if you just had gas or oil and were using to boost the temperature. I assume heatpumps can be used to heat rads in the same way so usage can be more controlled
Go around the house with a smoke candle putting against window edges, electrical fittings, attic doors, kitchen presses etc on a windy night and you should get an idea of where drafts are coming from,
I am planning on getting an airtightness test done once I've most work done to get an idea of house
finally ber rating on their own are fairly useless imo