We've got hatches cut into our floors. Ideally you can choose where to cut the hatches, so they can end up under beds / rugs, etc. I'm not desperately keen on them, but dh insisted, and he's the infrastructure boss in our house.
Our downstairs floors are all concrete sub-floors (with underfloor heating) and so there is no point in cutting a hatch. If something goes wrong as we have to pull it up, then we'd have to pull the concrete sub floor up too.
hmm , wonder if we have access anywhere . We have continuous wooden floor downstairs, over a chipboard base, apart from the lounge and the boards in our utility are suspiciously uneven but it would otherwise mean potentially lifting the whole kitchen floor to access it