Canadian rates are compounded semi-annually, not monthly
Section 6 of the Interest Act makes interest unrecoverable on a mortgage unless the rate is stated "calculated yearly or half-yearly, not in advance". Canadian lenders settled on the half-yearly form for fixed-rate mortgages, so the monthly rate is not the quoted rate divided by twelve.
Monthly rate(1 + r/2)1/6 − 1
A 5% Canadian mortgage therefore charges 0.41239% a month instead of 0.41667%. It sounds like nothing; on 500,000 over 25 years it is about 15 dollars a month, and roughly 4,500 over the amortisation. Every payment and every schedule row on this page uses that convention, so a figure quoted by your lender should match rather than sit a few dollars above.
CMHC insurance is added to the mortgage, not paid on the day
Mortgage loan insurance is required by law on any loan above 80% of the price, and the premium is banded by loan-to-value: 1.80% of the loan at 85%, 2.40% at 90%, 3.15% at 95%. It is capitalised, so it never appears in your cash to complete, but you pay interest on it for the whole amortisation, which is where its real cost sits. It is unavailable above a 1,500,000 purchase price, and the calculator warns rather than pretends when the deposit is too small.
Land transfer tax is provincial, and Toronto charges twice
The scale here is Ontario's, which covers the largest share of Canadian purchases. Alberta and Saskatchewan charge no land transfer tax at all; British Columbia runs 1% to 5%; and a purchase inside Toronto pays a municipal land transfer tax of roughly the same size again on top of the provincial one, which the figure here does not include.