…Isn't the answer "neither"?
If the cursor is somewhere before that `h`, then doing `fh` will put the cursor on that `h`. If you want to enter insert mode before that `h`, you would press `i`, or `a` to enter insert mode after the `h`.
In the case of 'ct', you're going to delete up until the letter, whereas in 'cf', it will include the letter you're targetting.
> The question is, when using a command like "change until" or "change forward", i.e. 'ct' or 'cf', what will the effect be?
Is this a question? You answered it accurately. The behaviour is consistent here too, though the mnemonics people often use don't always make total sense.
"change find", you mean.
Is there any official reference to it standing for find? Googling has found a few unofficial references, but help doesn't appear to say either way.
> One of the most useful movement commands is the single-character search command. The command "fx" searches forward in the line for the single character x. Hint: "f" stands for "Find".
That seems official.