Australian Heat Pump Hot Water Rebate & Payback

Use when someone asks whether a heat pump hot water system is worth it in Australia, which rebates they can stack, how much a heat pump costs after rebates, or how long it takes to pay off — including "can I combine the STC rebate with Victorian Energy Upgrades or Solar Victoria", "do I qualify", and "is a heat pump cheaper to run than gas". Given a postcode, the current hot water system and a few household facts, returns the rebates actually stackable at that postcode (with each scheme's eligibility gates and source), the net-of-rebate outlay, the payback period, and which term — rebates, the avoidable gas supply charge, the energy saving, or a replacement you were buying anyway — is really carrying the decision. Modelled estimate, not financial advice.