Unless you get the lucky 1 in a 1,000 H&R Handi-Rifles that shoots fantastic out of the box, the H&R Handi-Rifles are more like a "rifle-kit" than a complete, accurate, factory rifle. They require lots of fine tuning, tinkering, experimenting, altering.
Of course, some people LOVE to do that. It's what they live for. Nothing wrong with that. But, if you are not that type of person, then don't even think of a Handi. Go with the Stevens 200. If you have more dough than that, then go with the CZ American.
Best of Luck,
Mannyrock