The general rule seems to be that browsers encode form responses according to the content-type of the page the form was served from. This is a guess that if the server sends us "text/xml; charset=iso-8859-1", then they expect responses back in the same format.
If you're just entering a URL in the URL bar, then the browser doesn't have a base page to work on and therefore just has to guess. So in this case it seems to be doing utf-8 all the time (since both your inputs produced three-octet form values).
The sad truth is that AFAIK there's no standard for what character set the values in a query string, or indeed any characters in the URL, should be interpreted as. At least in the case of values in the query string, there's no reason to suppose that they necessarily do correspond to characters.
It's a known problem that you have to tell your server framework which character set you expect the query string to be encoded as--- for instance, in Tomcat, you have to call request.setEncoding() (or some similar method) before you call any of the request.getParameter() methods. The dearth of documentation on this subject probably reflects the lack of awareness of the problem amongst many developers. (I regularly ask Java interviewees what the difference between a Reader and an InputStream is, and regularly get blank looks)