Mast cells in the skin store histamine. When they are triggered, histamine spills out and binds H1 receptors on blood vessels and sensory nerves. The vessels leak and swell into a wheal, the surrounding skin flushes, and the nerves send the itch signal.
Loratadine occupies the H1 receptor so histamine cannot. It does not stop mast cells from firing, which is why it works better as a daily preventive than as a rescue after a flare has already erupted.
What separates loratadine from an older drug like diphenhydramine is where it goes. Loratadine is actively pumped back out of the brain, so very little of it reaches the H1 receptors there. Brain H1 receptors are what produce sedation and next-day fog. Blocking them in the skin helps you; blocking them in the brain just slows you down. Loratadine is very good at doing only the first.
Alcohol is less of an issue with loratadine than with cetirizine, but it is still sensible to see how the combination affects you before relying on it. Liver or kidney disease can change the right dose, so ask a prescriber.
A dose starts working within one to three hours and lasts a full day.
An acute outbreak of hives should ease the same day. For chronic hives, take it daily for at least a week before judging it — the point is continuous cover, not a single hit. If welts are still appearing after a week or two of consistent daily dosing, the useful next step is a review rather than more waiting. Many people who fail on loratadine do well simply by switching to cetirizine or levocetirizine.
Nothing dramatic. If the trigger is still present, symptoms return over a day or so as the drug clears.
Loratadine has not been linked to the rebound withdrawal itch that some people get after stopping long-term daily cetirizine or levocetirizine. If you are coming off a long stretch of daily loratadine and you develop severe itch without a rash, that is worth reporting rather than dismissing, but it is not an expected pattern for this drug.
Chronic hives often fade on their own over months to years, so a planned trial off the medication — usually when you have been clear for a stretch — is a normal part of managing the condition.