This one has an H prefix, but I’ve always considered it a 42 model, since it has all of the defense era trim.
I don’t think the serial number has as much to do with the build date, as the way it was trimmed out.
H would indicate Prewar for sure, but painted rims, trussrods and fender braces, would indicate defense era cutbacks.
No rack, or tank either.
I put the U bar on this bike, because in the description of the defense models, it states that the Torrington SB bars would be used until supplies ran out, at which time a Torrington U bar would substitute.
So, a 1942 defense model, was the only time/year, that a Torrington U bar was ever used on a Schwinn built bicycle.
Kind of cool!