Guidance & standards
The SCOP is where heat pump economics are won or lost. A heat pump running a well-designed system at a low flow temperature might achieve a SCOP of 4; the same unit forced to feed undersized radiators at a high flow temperature might only manage 2.5, which changes the answer entirely. Be realistic about the SCOP the actual installation will deliver.
This compares running cost only. It ignores standing charges, the installation cost, grants such as the Boiler Upgrade Scheme, and servicing — all of which matter to the customer's overall decision. A heat pump can have a higher or similar running cost yet still make sense once a grant and low-carbon heating are factored in, or the reverse.
Tariffs move, and special heat pump electricity tariffs exist that narrow the gap considerably. Run the comparison on the customer's actual rates, and if they are considering a heat-pump-specific tariff, run it again on those figures. Treat the output as a guide to inform the conversation, not a guaranteed saving.
Running-cost comparison only, using the tariffs you enter. It excludes standing charges, installation cost, grants (e.g. the Boiler Upgrade Scheme) and servicing. Real heat pump SCOP depends on the system design and how low the flow temperature runs; a poorly designed system will cost more than this suggests.