If the time left forSalat is little...
If the time left forSalat is little, or if person has to helplessly abandon the Surah because of fear that a thief, a beast, or anything else, may do him harm, or if he has an important work, he can ablandon the other Surah. In fact, there are situations when he should avoid it, like when the Salat time at his disposal is limited, or when in certain fears.
If a person realises before bowing for Ruku, that he has not recited al-Hamd and Surah, he should recite them, and if he realises that he has not recited the Surah, he should recite the Surah only. But, if he realises that he has not recited al-Hamd only, he should recite al-Hamd first and then recite the Surah again.
Moreover, if he bends but before reaching the Ruku realises that he has not recited surah or only al-Hamd and Surah or only al-Hamd, he should stand up and act according to the foregoing rules. It is not necessary to recite a Surah after al-Hamd in Mustahab prayer, even if that prayer may have become obligatory due to Nadhr (vow).
But, as for some Mustahab prayers like Wah shah prayer, in which a parti cular Surah is recommended, if a person wishes to act according to the rules, he should recite the prescribed Surah. It is obligatory, as a precaution, for a man to recite al-Hamd and the other Surah loudly, while offering Fajr, Maghrib or Isha prayer, and it is obligatory also, as a precaution, for a man and a woman to recite al-Hamd and the other Surah silently while offering Tuhr and A?r prayers.
A woman can recite al-Hamd and other Surah in Fajr, Maghrib and Isha prayers loudly or silently. But, if a non-Mahram hears her voice, and if it is Halal (allowed) for her to be heard by a non-Mahram man, she should recite them silently, and if she recites them loudly, as a precaution, her prayer will be void. If a person intentionally prays loudly where he should pray silently, and vice versa, as a precaution his prayer is void.
But, if he does so owing to forgetfulness, or not knowing the rule, his prayer is in order. And if he realises that he is doing a mistake while reciting al-Hamd and the other Surah, it is not necessary to recite again what he has recited not following the rule.