Canadian mortgages compound semi annually rather than monthly, which is why plugging Canadian numbers into an American mortgage calculator produces a payment that will not match what your Canadian lender quotes you.
If your down payment is under 20 percent, a CMHC, Sagen or Canada Guaranty insurance premium is added to the mortgage balance and financed along with it, raising the payment slightly above what the purchase price and rate alone would suggest.
A lender or mortgage broker can run your exact price, rate and amortization to get a real number rather than a rule of thumb. Get your hand-reviewed valuation from Joel Dyck.