The payload starts after the five-byte record header.
Payload starts after the header
The first 5 bytes are the record header. The payload starts after them.
header bytes=5
The payload begins with a handshake type
The first payload byte is handshake type 1. In this toy vocabulary, that means client hello.
handshake type=1
The rest is still payload
The remaining payload bytes are 0x000000. They are carried by the record length too.
remaining=0x000000
Summary
The record header points to a payload boundary; it does not parse the whole handshake.
payload bytes=4