Your rate now

2.15% (3-month SORA 1.35% + 0.80%)

Monthly payment now

$2,155

3 months ago (13 Aug 2026, 1.12%)

$2,100 (− $55)

A year ago (13 Nov 2025, 1.25%)

$2,131 (− $24)

If it resets on 13 Dec (about 1.41%)

$2,171 (+ $16)

If SORA rises 0.50 points

$2,280 (+ $125)

If SORA falls 0.50 points

$2,034 (− $121)

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.