Isla and Glen have negotiated a $5-$year conventional mortgage at a rate of $6\mathrm{.}1\%.$ The current Bank of Canada $5-$year rate is $5\mathrm{.}25\%.$ Which rate will be used to determine their Gross Debt Service ratio under the stress test?

$2\mathrm{.}0\%$

$5\mathrm{.}25\%$

$6\mathrm{.}1\%$

$8\mathrm{.}1\%$