Joan takes out a $5/1$ ARM with $2/4/6$ caps. The initial teaser rate on the mortgage is $2\%$ and the mortgage is indexed to $1$ year CMT with a margin of $2\%.$ What is the maximum interest that Joan might pay on this mortgage? $($Write the answer as a percent so for example $2\mathrm{.}5\%$ should be written as $2\mathrm{.}5,$ not as $0\mathrm{.}025)$