If you need an MA as a stepping stone into a top Phd, most likely you are not going to get into a top Phd... Esp, if you are referring to top US programs... But if you want to stay in Canada for PhD, then all three are probably really good... I would go to Toronto b/c it may be easier to get a job afterwards if you decide not to pursue a phd..
UBC MA class starts the year with the same ambitions every year, then in mid-March they face reality... This year there were several really good candidates who could not get into US top 15 schools..