I have no idea how you came to this conclusion. HAM would be a lot easier to address had it been chunky/packed pixel. Fades to gray is a matter och changing the palette, not shuffling bitplanes. In 4, 8bpp or higher, I can't see any particular application which benefits from planar format, except maybe for some low fi transparency effects.
HAM is unnecessary in other formats. To change a color in a planr mode, you have to update 3 bit planes. It doesn't matter how many bits per plane you've dedicated. With chunky format you only need to update 1 plane every time. All HAM does is hold 2 planes fixed and changed the 3rd. This is why sometime you need 2 or 3 pixels to change colors horizonatally...
What can be limited on chunky displays is the pallette. HAM eliminates the limited pallette but you can only change the 1 color plane per horizonatal pixel.
In HAM is you have a black pixel(0,0,0) and you want to make the pixels next to it white, you have to change the green plane from 0 to 255, then next pixel you change red from 0 to 255, then finally in the third pixel you change blue from 0 to 255 and it finally looks white where as the first looked green and then it looked yellow.
http://en.wikipedia.org/wiki/Hold_And_ModifySo HAM opens your full pallette but limits how significant the color can change from pixel to pixel. HAM is good for real-life images but not good for precise displays such as a sharp-edged desktop.
If Amiga's display resolution got up to 1920x1080p, BUT we were limited to 4MB of video ram (6MB is required to display that resolution in 24 bit color). HAM would be useful to fill that display if the chipset was capable of doing HAM. Does that make sense?
HAM allowed you to do more colors with less memory. In video cards since today and for some time, HAM is un-necessary and irrelevant.
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Digressing, in both chunky and planar modes, you need 6mb to display a 24bit 1080p image.
In planar mode, the memory is allocated as such:
-2MB for red plane (1 byte, 8 bits per pixel)
-2MB for green
-2MB for blue
In chunky mode, 6MB is allocated but arranged in bytes of 3:
1 byte for red, 1 byte for green, 1 byte for blue * # of pixels (1920x1080 * 3 bytes for color)
For writes, if your memory bus is 32 bits wide, you can update a pixel in 1 write operation in chunky mode. In planar mode you have to issue 3 separate writes since the color data is not sequential. You have to jump to different addresses. This is where planar mode loses. It requires 3x the bandwidth.