Multiple Radio Access Technologies (Multi-RAT) make it possible to exploit the advantages of Heterogeneous networks (HetNets) resulting from a joint consideration of the networks as a whole. Users in HetNets can be served with a proper RAT to maximize the system-level utility. Especially, when user dynamics are considered, they can stay in a RAT or handover to another RAT with a transition probability depending on system configuration. By formulating these dynamics as a Markov chain model, the system-level utility is defined as a combinatorial object function. However, the combinatorial optimization is NP-hard, thus we can only use exhaustive search to obtain the optimum solution, which comes up with high computational complexity and is not practical. To this end, we use Markov approximation to obtain the approximate utility and transition probability. In addition, we propose a Count Down and Select (CDS) algorithm to implement the RAT selection. Numerical results validate the convergence of Markov approximation and the effectiveness of the CDS algorithm.