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I also had some difficulty with being killed in HOs. After practicing one particular evasive, I now usually end up on their 6 within seconds. Here is what I do:
As soon as you realize you are in for an HO, dive! Dive!! What you are trying to do is get enough E to climb back up and reverse directions, placing you behind your enemy. Now you are at an advantage, because you are behind him. If you time it right, with enough E, you can saddle up for the shot. You should start your climb back up to him right as he is overhead to enable you to get as close as possible. Otherwise, you have avoided the HO, and given yourself more time to set up for another pass. Don't wait until the enemy is within shooting distance before you dive; you should dive as soon as you recognize that he is going for a HO merge.
Obviously, how he responds, dictates your next move. The above works if he does not turn back on you after you pass below. Either way, you have avoided the HO.
Other than the "surprise" HO, you should be able to avoid any attempt at the HO.
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Major MaNiaCaL
~*81st*~ Krewsaderz
ROOKS!!!!!