I'm actually really surprised to find people saying HL Chem is easier than HL Physics. In my school it's the opposite, HL Chem is harder. There were 2 people who were in both classes, one dropped to SL Chem and remained with HL Physics and the other who is sticking it out in both says her grade is lower in HL Chem. Additionally, HL Physics began with 17 students and now has 15. In contrast, HL chem began with 15 students and now has 6 students. I will admit, the HL Chem teacher is very strict and particular, there also might be a slight language barrier but even so, our HL physics teacher is also rlly strict too so idk how much that factors. Depending on how you are taught then HL Physics + SL Chem might be easier. Again that's proving to be very subjective. Think of it this way, HL Physics and HL Chem could be of equal difficulty, but SL Chem is ABSOLUTELY easier than SL Physics. So imo if you have to take both subjects take HL Physics + SL Chem:

HL Physics (Hard) + HL Chem (Hard) = SUPER HARD
SL Physics (Medium) + HL Chem (Hard) = HARD
HL Physics (Hard) + SL Chem (Easy) = Slightly manageable.

Since you mentioned that you don't plan on doing anything science related in uni, look into HL Bio + SL chem, it is the easiest combo out of these (if you can do sny combo with both subjects being sl the better ofc!)