My heat pump also only has a coefficient of performance of 4.8 at B0W35... at B5W35 it's already 5.4 (which for me as the brine inlet is already quite the lower limit) and I would have the 35° flow temperature at -18° or so, but especially in the transitional period the brine is a bit warmer again and the flow temperature is about 25°C, there coefficients of performance over 6 are normal. For domestic hot water it goes down, but since overall more heating energy than hot water energy is needed over the year, that’s not a big deal. In summer the brine inlet temperature is rather around 10°, and if you only make hot water once a day then, the coefficient of performance doesn't drop that much.