The initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum (or ceiling) and a minimum (or floor) defined in the loan agreement. If interest rates rise, so does the loan payment. If interest rates fall, the loan payment may as well. See also ARMs - Variable Rate Feature.
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You would choose GHRP-2 or Hexarelin normally as the most bang for the buck, although Hexarelin will disturb REM sleep so long term GHRP-2 is the better choice out of all 4 GHRP peptides. If you are very sensitive to perturbations in cortisol or prolactin you would choose the more expensive Ipamorelin.