Need more info before being able to offer info on price, but your sub floor makeup is likely to be something like
75 screed
125 insulation
100 concrete
150 stone
Doing it your way would mean you would have to either shutter the top 250 of foundations or get in to dig the oversight out afterwards, neither of which is normal - Also having the extra 9 inches below ground gives the Brickie more chance to get it perfectly level by damp-course depending on who is doing the foundations.
75 screed
125 insulation
100 concrete
150 stone
Doing it your way would mean you would have to either shutter the top 250 of foundations or get in to dig the oversight out afterwards, neither of which is normal - Also having the extra 9 inches below ground gives the Brickie more chance to get it perfectly level by damp-course depending on who is doing the foundations.