Ducting or heatpumps

I am looking into a cooling/heating system for the upstairs of my townhouse. There are four rooms upstairs, current set up is two bedrooms, one guest room and one study, and it gets very hot during the summer. Because of the layout of the second floor, I would be looking at individual heat pumps for the two bedrooms and guest room.

As the title says, tossing up between a ducting system or heat pumps, so would like to hear people’s opinions/anything I should be taking into consideration that the salesmen never mention!

I have received quotes for both, and understand heat pumps are the cheaper option, but don’t mind spending more if ducting is the better option overall.

Already have a HRV system if that impacts anything.