Your rate now

2.06% (3-month SORA 1.26% + 0.80%)

Monthly payment now

$2,133

3 months ago (23 Jul 2026, 1.15%)

$2,108 (− $25)

A year ago (23 Oct 2025, 1.39%)

$2,166 (+ $33)

If it resets on 23 Nov (about 1.31%)

$2,145 (+ $12)

If SORA rises 0.50 points

$2,257 (+ $124)

If SORA falls 0.50 points

$2,013 (− $120)

A $500,000 loan repaid monthly over 25 years, at each rate for the whole time. Banks may use a rate published a few days before your reset, round it, or set a floor. Not advice.