contract rate +2% 或者 加拿大中央银行5年期benchmark rate （现在是4.89%），哪个高就适用哪个。就现在市场情况也就是适用4.89%

Changes to the final guideline include the following adjustment to the minimum qualifying test: “At a minimum, the qualifying rate for all uninsured mortgages should be the greater of the contractual mortgage rate plus 2% or the five-year benchmark rate published by the Bank of Canada.”