Who each tool is really for
HubSpot
HubSpot is generally chosen by teams where marketing and sales have to share one system and one definition of a lead. Its origins in inbound marketing show in the way contacts, forms, lifecycle stages and campaigns are organised, and in how readily a non-technical stakeholder can be shown around it. That polish is a real advantage when adoption across two departments is the thing most likely to fail.
Zoho
Zoho is generally chosen by teams that want breadth from one vendor and are happy to configure it themselves. The CRM is one product in a large catalogue, so a company can keep support, campaigns and back-office tooling in the same family. The trade is that more of the shaping work sits with you, and the experience rewards a team willing to do it.

