And just for grins...
A simple 1/4 wave antenna on an HT will certainly do better than the regularly supplied 'duck'. There's also a 'trick' with that 1/4 wave, add the 'other-half' to it and have a 1/2 wave antenna. That 'other-half' is commonly called a 'rat's-tail', a piece of wire about 15 - 19 inches long connected to the chassis of the HT that dangles down. It sounds to simple to be worth much, but it'll surprise you!
That 1/4 wave is around 15-19 inches long/tall. Not as convenient as the shorter 'duck', but will make an improvement. Don't use a 'loaded' or 'shortened' antenna, there's no benefit other than 'bragging rights'.
Anytime time you 'shorten' an antenna you are sacrificing a bit of efficiency! How much efficiency you loose is directly proportional to how much that antenna is shortened. A good example is an 80 meter mobile antenna. 'Normal' 1/4 wave is about 125 feet. Shorten it to 10 - 12 feet and you're left with maybe 1 - 2% efficiency! No, it really is that low...
Paul