Looking at some other area PHRF ratings for a H41 DS SD (I assume shoal draft) the number of PHRF rating of 132 seems to keep popping up. Don't know where your club got 117. Maybe they think you're a "ringer" and needed to ding you a little.
I am sure
@Jackdaw can give you some relevant info on why a 45 foot Hunter (longer waterline) with laminate sails would have a higher PHRF handicap than a H41 with probably Dacron sails. Doesn't make sense to me. Maybe the owner of the 45 has some dirt on the race committe or brought the right kind of Scotch to the rating committee
I don't race but my 40.5 (wing keel, dacron sails, non-spinnaker cruising class, 3 blade feathering prop) generally has a PHRF of 120 in the Charleston ratings. That looks pretty consistant with
@Rick D number of 102 plus the 15 non-spinnaker (117 total).