If your chip isn't a 'k' version, not very much at all, maybe 100-200 mhz.
If your chip is a 'k' version, every chip clocks different. But we would need to know motherboard, power supply, and what exactly your 'water cooling' is?
Is your water cooling a Corsair H55, H110, custom d5 vario pump, res, raystorm cpu water block, ect.?