just make your int ~= HM
thats the best you can hope for
now suppose the gear you have to choose from isn't always 1 to 1
then you can check what would be better by seeing which setup would make the following number bigger
(.95 + int/100)(1 + HM/100)
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And i know what you're talking about, HM is dependent on Int, without any intelligence, HM will mean absolutely nothing, however after you get to a certain amount of intelligence, you no longer need more for the HM to be more beneficial than the intelligence.
so HM does mean something even when you have absolutely no intand the amount of int you need to have for hm to be AS beneficial is 5 more than your current HM