This thread is where you want to post questions about the H220:
But the answer would be that you have to test them both and see. The majority would say that the F12s are better, and considering they cost twice as much, I am not sure it is really a fair comparison. My new fans don't come in until next week so I can't give you my comparative impression yet. I can say that the fans that come with the H220 are not bad, and many people will be fine with them.
Those that are very particular about noise, not only the amount but quality of noise, will probably look to replace the stock fans. This is what happens with Corsair and Antec AIO coolers as well. From tests so far the F12s should not give substantially better cooling, but they should be a little quieter.