Hank and Cleo are married 40-something realtors from northern New Jersey who can’t keep their hands off each other because of their secret life — the two enjoy “soft-swapping,” or cavorting naked with other couples in hotel rooms and at sex parties without ever “going all the way.”  

“We don’t do intercourse but everything else is good,” Cleo told The Post. (She and the other soft-swappers interviewed for this article asked that their names be changed to protect their anonymity.)

“Soft-swapping” — or “soft-swinging” — is unusual enough that even noted sexperts weren’t overly familiar with the topic until a TikTok went viral earlier this month and brought attention to the saucy lifestyle.

“The whole group was intimate with each other,” Mormon social-media influencer Taylor Frankie Paul revealed on a TikTok livestream, referring to her and her husband Tate’s unorthodox relationships with other couples in Utah.

“Tate has made out with several girls and other things, and I’ve made out with all of the husbands and vice versa,” she added.

While Paul said soft-swinging contributed to the destruction of her marriage to Tate, experts say the “esoteric” practice can be a safer way for couples to get kinky.

“It could be a risk-mitigation strategy in that it allows for some degree of sexual novelty without taking as much risk for STIs and/or unintended pregnancy,” Dr. Justin Lehmiller, host of the “Sex and Psychology Podcast,” told The Post.    

That’s the case for Donna, a 40-something Queens divorcée who enjoys the sex-party scene but soft-swaps to avoid the risks of going all the way.    

“Right now I freak out about STDs and wish people had STD cards, like COVID cards,” Donna told The Post. She said the practice allows her to “enjoy” others in a way that’s more “comfortable” for her.  

Hank and Cleo’s soft-swapping journey started around 2018. Over cocktails with girlfriends on a Caribbean vacation, Cleo shared how much she’d enjoyed occasional group experiences in college. Now that she was married, she felt like that was no longer an option.

A friend questioned her thinking, so Cleo decided to broach the subject with Hank. He was initially not amused.

“I said, ‘You’re outta your f- -king mind,’” Hank recalled with a laugh.  

But his opinion quickly changed when he got “really turned on” filling out applications to NYC sex clubs Chemistry and Hacienda. Shortly thereafter, the couple found themselves enjoying the company of naked strangers, albeit with restrictions.  

“Our do-or-die rule [is]: We do everything together in the same room at the same time,” Hank said.   

That “everything” includes threesomes and foursomes. And while intercourse isn’t on the menu — making out, foreplay, mutual masturbation and oral sex are.

Cleo says soft-swapping feels like a more “feminist” way to indulge her fantasies since it’s not so focused on “thinking about the man’s pleasure,” but rather becomes a way to fulfill a “need to be touched but also psychologically aroused.”  

“Another benefit of soft-swapping for women is that we have so many parts that feel good when touched, and realistically one person can’t get to all of them at once,” Cleo said.  

Still, it hasn’t always been easy. 

After their first trip to the Brooklyn-based sex party Chemistry, Cleo and Hank returned to their hotel as the sun rose over Manhattan and immediately had a screaming match in the street.  

They argued over whether either of them had fun that night, or who’d had the most fun, before decamping to their suite to enjoy another hour of great sex together.  

“We were just exhausted,” Hank said. “It was a big flood of emotions but I wouldn’t say jealousy plays any part in it,” he insisted.  

The couple’s soft-swapping escapades may have brought them closer, too.  

“I feel more people would be happier, and happier in their marriages, if they just opened them up a little,” Cleo said.