You guys may have forget to read Number 5 on the LZ attached:
open mortgages (variable rate)
closed mortgages (variable rate)
open mortgages (fixed rate)
closed mortgages (fixed rate)
Please pay attention to last check: closed mortgages (fixed rate).
这是closed五年固定利率， 也就是你不能改变每月的premium，如果要改变的话， 要付300的费用。