Hi,
putting it another way: does the insulation standard and the execution of the heating system allow for a later, trouble-free conversion to a heat pump? In other words, is there an underfloor heating system with reasonable distances between the heating loops, or are normal radiators still planned?
The insulation will definitely be okay in a new building, the question is about the heating system execution. Currently, the additional cost for a heat pump would probably be so high that you can hardly recoup the extra costs anyway, even if the gas price doubles or triples. And when the heating system needs to be replaced in 20 years, a heat pump will be installed and that’s that.
A 135 sqm terraced house with solar thermal should manage with a maximum of 8000 kWh gas consumption per year. (That’s how much we had in a 135 sqm semi-detached house from 2011). That puts you at 800-1000 € gas costs per year. A heat pump costs about 700 €. Even if the gas price doubles while the electricity price stays the same, that is perhaps 1300 € extra costs per year. A heat pump would currently cost you about 20k extra. That also has to be calculated with 4 % interest. So you have 1200-800 = 500 € savings through the heat pump. That results in an ROI of 40 years, the heating system won’t last that long anyway.
In other words: if the house can be properly converted to a heat pump later, I wouldn’t worry about it too much.
Best regards,
Andreas