On the Antelope Line the loco and driving car speedometers are not showing the same speed as the speed on the HUD speedometer. The loco/ driving cab speedometer is always 1mph faster than the speed shown on the HUD speedometer. This is happening on all sservices. One receives "driving too slowly" penalty points when the HUD shows a lower speed than the speed shown on the loco/ driving car speedometer when it comes to driving at proper line speed.
I haven't used the HUD in TSW4 (playing with the mini HUD) - but in TSW3 it was a rounding error on the HUD. The in train speedo will show 34.5 mph as 35 (rounding up) and this would get you the speeding penalty, you can see your white line is above your speedo marker. The HUD digits round at 34.9 to 35 - meaning you may not see speeding as quick from the HUD.