My experience is that once the tanks hooked, everything gets slightly less tight, specifically with soft webbing (I use it to get the sliding dive rite D rings). I think with hard webbing it is a bit less the case as it keeps the stiffness, that well say, maybe I am totally wrong.As is said above, it's too far up. It also seems to be very tight. I am not familiar with the Razor harness, but I wonder if you need it that tight, given the balanced nature of sidemount. Make a change and perform a test dive, perhaps in front of an action camera.
In the last picture, I tried with a under garnement but I also dive from times to times in 5mm, and I am looking to be able to dive with both suits without having to change the harness (maybe not possible)