I must be missing something. If RHO holds off, declarer draws as many rounds of trump as necessary, cashes the king of hearts, and lays down the remaining club not caring whether
or not RHO holds off.
If the club T you show is actually a diamond T so there is
a ruffing finesse, it goes essentiatlly the same way. Declarer lays down a top trump and seeing they split 3-1 or better, takes a seoond round, cashes the heart king, enters
dummy with the trump queen, and leads a top club not caring
which side the ace is on.
6 spades, 3 hearts, 2 clubs and the diamond ace either way.
RHO can't both hold off and lead back a diamond without
cooperation from declarer. The hold off might work if
declarer fails to unblock the heart king.
Fred.