I think , as you say, the price depends on stock availability. I think for insurance purposes its better not to go under the load/speed rating recommended in the handbook. But its unlikely to be a problem exceeding it.
But to take the examples you give 84H means its rated for a speed of 130 mph and a load of 500 kg per tyre - ie a total of weight 2 tonnes for the car and contents. Both are well above whats possible or likely for a Jazz.
88V is rated for a top speed of 149 mph (dream on ) and a total load of 560 kg per tyre . (2240 kg in total)
If price is not a factor there is an arguement for going for the better rated one - no problem having a bit in reserve. But it might mean that the tyre walls and construction is slightly stiffer,which might slightly affect things such as rolling resistance, noise, fuel consumption,comfort etc. But not sure if it would be for the better or worse. Personally I'd go for the 88V's and save myself a few quid. If it were the 84H that were £32 cheaper I'd buy those