It looks to me that the major differences are: (1) the H can accept three different rear standards 4x5, 4x10, 5x7 (2) H is a little heavier (3) H requires two hands to focus if camera bed is not level (4) the H can be collapsed with a small/wide lens attached but the lens/lens board must be removed from the F to fold it up. (5) the F will fold down flat into a very compact shape for easier packing but the H can only have the front & rear standards pushed tightly together (making a "T" shape for packing.) The advantage of the F is it folds up more compactly. The advantage of the H is it would be faster to set up.
All in all, I think for general photography the F is a better bet. I doubt that you'll be buying new bellows, film holders and backs to take advantage of the H camera system. And really, the N series will likely do all you need for that matter. It's very similar to the F. I haven't felt the need to switch to either F or H.
H camera:
http://www.chamonixviewcamera.com/_images/045H-2.jpg
F camera:
http://www.chamonixviewcamera.com/_images/045F1c.jpg
Kent in SD
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