@cabb
Daikin makes a 3 zone system for home use.
https://www.daikin.com.ph/products/room-air/multi-split-type/
No experience with heat pumps at all. No experience with multi zone systems.
My place has two Daikin inverter/split type air conditioners.
My experience with Polaris has always been good and they actually had the part in stock for a repair I needed.
At some point I expect spare parts may not be available so I'll be able to scavenge spare parts from one of the units when it eventually fails. You might want to consider that strategy.
Slightly off topic but; I had a two year old Samsung washing machine which blew its control board. "Sorry sir no spare parts no longer in production". The repair tech p!ssed me off "sir since your washing machine looks brand new we can negotiate a partial refund from Samsung for you". We declined as the offer sounded shady. Two weeks later the tech called to announce he had found the required control board.
Anyway spare parts here is a concern and having 3 identical units is the strategy I would consider.