mortgage rate

hi2010

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2010-02-09
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4 years fixed 2.89%, 5 years fixed 2.99%, 5 years variable p-0.55, which one is better?
 
CIBC Carlingwood Mall
4 years fixed 2.79%, 5 years fixed 2.94%, 5 years variable p-0.55
 
Thank you guys replies, you mean p-0.55 is better?
 
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