I don’t agree with generalizing that ROI is slow and small. There are too many variables here specific to each market, location, and home. Someone with an old propane or oil boiler that is already planning to buy a new AC will absolutely see massive ROI going with a heat pump. In the US, federal standards will make furnaces more expensive (condensing only soon) and heat pump costs can be heavily subsidized. I bought a new HP that was cheaper than my neighbors new AC/furnace after incentives, and my running costs will be lower.