Index and Match where one of the lookups needs to be nearest to

I have a index and match function trying to lookup a MF in a table using multiple match criteria. The problem is that one of the criteria to look up- the rate - is not going to match the table so i need to have it find the nearest one. Can someone look at the attached sheet and see if they can figure this one out???

=INDEX(G12:M25,MATCH(1,(L12:L25=C11)*(M12:M25=C7)*(H12:H25=C9),0),3)

Using this formula in C18 as the lookup. C9 needs to find the nearest in Column H

help!