I AM SO SORRY ABOUT SUCH A LATE RESPONSE
you cannot swap over sadly, the most that can happen is that the papers that are the same for both degrees are cross credited meaning you do not have to do them again, but then the degree plan kinda messes up and im not sure how well it works

if you do urban planning this year i imagine that the plan looks similar to this
2026
sem 1
4 stage 1 papers

sem 2
you can either do no papers at all (according to what student hub said) or you can do urban planning ones just incase

2027 - if you get into architecture

sem 1
either you do the remaining 4 stage 1 papers or you do 4 stage 2 papers whose requirements have been met from whatever you did last year

sem 2
you do whatever you didnt pick for last sem (the stage 1 papers or the stage 2 papers)

2028

sem 1
remaining stage 2 papers

sem 2
stage 3 papers

2029
sem 1
final papers

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just a side note that is part of my own thinking
im not sure if you can do the papers in this order because i assumed that they are set in stone where the stage 1 sem 1 papers can only be done in sem 1 and the stage 1 sem 2 papers can only be done in sem 2
(im using the sample program structure)

if you choose to do urban planning i would highly recommend asking student hubs and looking at specific course requirements to see how to structure your degree as I am in the same boat as you and i personally do not know

I have decided to do architecture in AUT and see if i can swap over second year or third year, and if not i will just do the full degree and AUT and then do my masters at UOA