Well I am in Abu Dhabi and have once in a weekend trip to Dubai as well. Here's the list explaining the applicable fines.
List of Dubai UAE traffic fines
But yes, what you're saying is true at least for Emirate of Ajman, and since my car is Dubai number therefore it doesn't apply on me.
Also, I am trying to find a detailed article that can explain these H3/H4 etc, i.e. different types of lights. I would really appreciate if I can have any guidance.