Your response prompted me to dig a bit deeper and I now believe you are correct in your assumption that the Humax does add the 4 byte time-codes to the broadcast stream before writing packets to disk.I am not totally convinced that the Humax saves the SD stream "as is", though I would be very happy to be proved wrong.
To prove it one way or the other, I used the DVB-T tuner card in my desktop PC to capture raw data from one of the MUX's and this raw data is indeed in 188 byte packet format, so I stand corrected.
Here's a quote from a document I later found on the net which may help to explain these time-code bytes.
Timecode
Transport Stream had been originally designed for broadcast. Later it was adapted for usage with digital video cameras, recorders and players by adding a 4-byte timecode (TC) to standard 188-byte packets, which resulted in a 192-byte packet.[14][15] This is what is informally called M2TS stream. Blu-ray Disc Association calls it "BDAV MPEG-2 transport stream".[14] JVC called it TOD (possibly an abbreviation for "Transport stream on disc") when used in HDD-based camcorders like GZ-HD7.[16][17] M2TS transport stream is also used for recording HDV video (onto tape and onto file-based media), and for AVCHD video files, which often have MTS extension.[18] The timecode allows quick access to any part of the stream either from a media player, or from a non-linear video editing system.