Just for comparison, according to your data your house needs about 10,000kWh of heat energy for heating. Depending on the number of occupants, just add a flat 1000kWh for hot water. So, 11,000kWh of heat to be generated. If you achieve an annual performance factor of 3.5 with the mentioned air heat pump: 11,000 ÷ 3.5 = approx. 3,100kWh electricity purchase. At €0.25 it costs you €775.
For comparison, a brine heat pump with an annual performance factor of 5. 11,000 ÷ 5 = 2,200kWh electricity purchase. At €0.25 it costs you €550. About €225 saved annually. The potential increases if the electricity price rises.
If the electricity price doubles in 10 years, then it makes a difference whether you pay €1,550 for electricity for the air heat pump or €1,100 for the brine heat pump.
Also, the subsidies are significantly higher. And a brine heat pump does not necessarily require drilling... As mentioned, there are collectors (flat/ground collector for purchase, or self-built, or trench collector for around €1000-2000!)