FHR6 is DBS’s board rate that is pegged to DBS’s Fixed Deposit interest rate. This may be lower, but it can change at any point since it is within DBS’ control. If you’re more risk-averse, fixed-rate packages will be better suited for you due to the stability of fixed rates. If interest rates rise all of a sudden, you’ll still be paying the same amount regardless of any fluctuations in interest rates.