A strike rate turns a vague idea into a decision rule.
Strike-rate planning is about defining the future rate, payment, or cost threshold that would make a refinance worth re-checking instead of reacting emotionally to every market move.
Trigger
Set a real threshold
Define the payment or rate point that would justify a fresh refinance review.
Scenario
Know what would need to be true
The trigger only matters if costs, qualification, property value, and long-term plans still support the move.
Follow-up
Use it as a review flag
A strike rate is a practical checkpoint, not a promise that the refinance will work under every future condition.