The 15K at U of T is the guaranteed minimum funding "and usually requires a TAship". They're unclear on how many TAships that means, but they also suggest that you can take on extra TA/RA work and make more than the guarantee. You are only required to be present at the university for one year though, so I don't really know how that works. Personally, I am hoping for SSHRC to pull through, but, like other universities, SSHRC comes out of your guaranteed funding at U of T. Tuition is covered automatically, which is not the case for every program.
I still haven't heard anything from UBC.
I see you're from Vancouver Trudeau, are you attending right now? Which school?