i don't see the resoning.. hop is to rejoin a channel that ur presently in. You said it yourself mirc includes the key if one is present. Now, /hop does its job, what is the reasonging for a key switch? The only possible time u would need a key switch is if the split second it took u to rejoin someone set a key..
Sorry, maybe its just late, maybe im just tired, don't see a need for it.