An actual question at the reference desk today:
Patron. "How do you spell 'ho' as in 'whore'"?
Librarian. "Ho. As in ho, ho, ho, Santa Claus. You would think there might be some kind of apostrophe, but I don't think most people use one".
Patron. "It wouldn't be 'who'"?
Librarian. "I don't think so, because that would be who".
Patron. "Okay. Thanks".
I didn't cite my source, but here is a source:
Here is a classical reference: