Based on previous experience and attempt, a real-size mosaic Multi-gap Resistive Plate Chamber (MRPC) has been developed within the framework of the CMS muon upgrade efforts. The chamber is a 5-gap with plates made each of 6 pieces of low resistive glass. Cosmic ray test at CERN 904 shows that its efficiency can reach above 95% with a gas mixture of 90% C2H2F4, 5% i-C4H10 and 5% SF6. The chamber was also tested with CMS dry gas(95.2% C2H2F4, 4.5% i-C4H10, 0.3% SF6) at the CERN Gamma Irradiation Facility (GIF++). Efficiency results calculated by a simple tracking method show that the good performance is maintained at rates up to 10 kHz/cm2.