Amit got a $5/1$ adjustable rate mortgage with an initial rate or $3\mathrm{.}5\%$ and the following caps: $1/2/2\mathrm{.}0.$ The mortgage is indexed to $1$ year CMT which is currently at $7\%$ and has a $300$ basis point margin. Assuming the index stays the same going forward, what will be Amit's fully indexed rate in year $6?$ Write the answer as a percent rounded to two decimal points $($for example, if your answer is $2\mathrm{.}5\%,$ write $2\mathrm{.}50).$