1. 'Have you finished?' could be said in any situation:
a) Mother to child eating soup: 'have you finished?' b) Teacher to student during test: 'have you finished?' c) Male to female who has been complaining bitterly about the ring of shaving foam and stubble round the bathroom sink: 'have you finished?'
I sense that "Are you finished?" is more everyday English. "Have you finished?" is a little 'higher class'.
I can imagine "Have you finished?" being said in quite a nasty way. For me it would not be necessary to switch to "Are you finished?" to produce the less polite nuance. Tone of voice could easily convey that in either case.
Thank you, people, but what I'm interested in is not which usage for which situation, but why such difference in nuance between "are finished" and "have finished". Any idea?
I suppose we first have to establish whether there's a regional difference.
Googling on 'I am finished' seems to give quite a few examples where the phrase simply = 'I have finished', e.g. 'if you want me to put the seat down when I am finished then you should leave the seat up when you are finished'.
Cf CalifJim's experience of 'are you finished' as 'everyday
Yes, but the original query was about the question form, not the simple statement at all. A question brings another person into the equation, and another attitude.
Anyway, I don't know about anyone else's home, but in mine, if I say to my wife
'if you want me to put the seat down when I am finished then you should leave the seat up when you are finished'