This has come up before. Going with the 103H means you are going with a non factory, non OEM, tire with a lower weight resistance. This means that all the little 'load capacity' figures in the manual will be wrong for your X5. If possible, wait and save up the extra money to buy the right tires for the car IMO. But if cost dictates that there is no way you can afford the correct tires for the X, the 103H aren't going to be a problem unless you load the X5 to its recomended weight loads.
See this thread: http://www.xoutpost.com/x5-e53-forum/...104h-103h.html
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