I have no experience with CZ products, so I won't comment on them.
I have, however, owned 2 XD pistols in the past (.45 and .40), and currently own 2 H&K pistols (P2000sk and USP .40 Compact).
IMHO there is no contest here. H&K P2000 takes the cake out of the three choices you have listed. They are pricey, but you do get what you pay for with H&Ks. If you can afford one, get the P2000. You will not regret it. I won't even go into why I think they are better than the others, but I've owned just about every other make of handgun out there. Everything from 1911s to Glocks to XDs. From my experience H&K just makes a better pistol. My 2 cents I guess.