Hi All,
Many Thanks for replies appreciate support.
Heating was not switched on yet as I knew about giving some time for floor to settle before heat is introduced.
Reason for PLY above hardie was to add some extra strength, hardie was in 4 pieces (put using brick fashion) and PLY was in one piece thats why I thought it would be much better to install PLY above hardie... looks like this was my mistake oh well you live and learn,
I don't really want to rip this floor apart (definitely for now) so would try to live with those cracks, I noticed some of those cracks appeared in natural veins of the tiles and then spread across.
Worst thing is that I bought uncoupling membrane but decided against using it as floor is raised by about 40mm already (with tiles adhesive,self leveling, ply and hardie) so didn't wanted to add additional height...
Self leveling used is Mapei Ultraplan thickness around 6-10mm.
Back home we have electric heating(wet)and natural stone on ground floor in my parents house without any hardie boards or uncoupling membrane and it is fine for past 15 years or so... but looks like first floor wooden subfloor is probably not best option for stone without a proper preparation.