Really? Allowing the team to have 25% more spells cast during combat isn't a reward? I think it is. And the monk is a support character anyway. So yeah, they do support roles. They're not as armored as a fighter or paladin, they're not as tough as a barbarian. They don't cure as well as a cleric and they don't buff like a bard. They assist all these classes with their roles.
Using your system, I would not be able to aim my fire, it would just go off on it's own on the last hit of the combo. Again with the heal, sometimes archers and mages need the heal too. They're not always on the front line with you. The Ki is being focused on the monk, and they're emitting the heal so where and when they do it, should be entirely up to them and not your system of punch activated healing. Or should the monks have to punch themselves to activate it too? HB monks are much less direct combat oriented. It's like you're trying to remove that aspect of the class from the game. I disagree with your system, at least as far as with the harmonious balance path.
Why does ki have to be directly applied to something else for the monk to release the effect? The fire, the monk is channeling the energy to emit the flame. The fire isnt' comming out of the enemy, again I think that contradicts the ki theory you have in place. Ki can be focused inward at the monk himself, which is implied for the buffing aspect of the monk class.