A prepayment scale (ranging from 0% – 100%) for HELs. The HEP takes into account the faster plateau for HEL prepayments vs. that of traditional mortgages. HEP assumes a 10-month seasoning ramp, with even step-ups, ending at the final HEP percentage in the 10thmonth. The standard HEP is 20% and assumes the following prepayment curve; 2% CPR in first month, 4% in second month, 6% in third month continuing this pattern until leveling off at 20% CPR in the tenth month.