Step eight: calculate your housing benefit
If your income is less than or the same as your applicable amount, HB is the amount worked out at Step three – ie, your maximum rent less any amounts for non-dependants.
If your income is more than your applicable amount, work out 65 per cent of the difference. Your HB is the amount worked out at Step three (ie, your maximum rent less any amounts for non-dependants) minus 65 per cent of the difference between your income and applicable amount.