I like 6mm hardie backer boards but have turned up on jobs that have had a ply overlay by a plumber that I get work from..he started to listen now but it's taken a while..
I have only used ditra and not had any problems with it..
Ideally I like to have a good thick ply floor (fixed down 150mm - 200mm) then over board this with a 6mm cement board. I think this gives about as good a substrate to tile onto as you can get with a wooden floor.
[h=3]Plywood floors...[/h]Here is a post I put up a little while ago about wooden floors.
I dont like tiling straight onto ply because I have put right countless installations that have failed over the years and I think tiling onto ply is problematic. If I dont have a choice, I like to use a 2 part adhesive. Have a read through the link above, it gives my view on tiling onto ply but also some brilliant responses from tilers that really know their stuff.
I doubt it to be honest, if it does then I think that it would take a long time to warm up. What kind of condition is the chipboard in and how thick is it? If it is ok and you can fix it down so there is no movement in it, you could over board with cement boards and forget the ply. If the chipboard is not in very good nick, is it possible to remove it and replace with ply?