The stutter/pause happens even when OCCT is idle, and on HW Monitor when OCCT isn't even running. Pretty much any situation where info from the system is being refreshed. Also when a lot of system memory is being used (OCCT with free memory enabled, Memtest HCI).Are you monitoring your clock speeds and volts whilst running OCCT? if not then do so, it may be throttling.
Run memory diagnostics and so on.