That's an interesting aspect, indeed. This has been done already for a boardgame I like (Bloodbowl if you want to know). As far as I remember, it uses a database, login and password. It's not really complicated.
The hard job is to take into account all the sourcebooks, new professions, talents etc.
I was initially thinking about making a program (.exe ) that can be run offline, like a basic software. It can create/read an html file and edit the code. Then, people can upload it into his website or wherever he wants.
I use Delphi language and it shouldn't take long to make it.
Since I use home rules, I need something not too rigid and too close to the core rules. So then, just making an editor, not something implementing the mecanism of character creation, is probably the best option.
But I'm always open for good ideas and making a php program for HARP character creation could be a good challenge.
For now, let's make one step at a time. I will work on the offline editor, propose it here and get your feedback. After some experience about the HARP character sheet creation, I will be able to think further.