Terminating opportunistic TLS (STARTTLS)

No, because this is negotiated at application layer which means haproxy would actually have to implement at least a part of the handshake of every single one of those protocols.

No, because there would already have been a POP/IMAP/SMTP handshake with some other backend.

For this to work haproxy would have to intercept the handshake of all those protocols and insert a STARTTLS negotiation.