I'd suggest doing your scape, then growing out the HC and clover immersed for a few months so their root systems develop and can hold the substrate contours in place when water is added. when you add water, their growth will have to convert to submersed, but that should just take another month or so.
-Jared
Immersed and submersed are the same thing. Emmersed is when a plant is grown out of water and immersed is when it is grown under water.
To the OP, have you though of creating some sort of terrace with acrylic or something to get the height you want without actually using a whole ton of substrate to get the slope you want? If that makes any sense.:nilly: