JD started up front and played the full 90 minutes, scoring from close range to make it 3-0 in the 35th minute before a fine finish from Spurs team-mate Kyle Walker's assist after 77 minutes.
The pair combined again five minutes later but Jermain glanced his hat-trick chance from Kyle's cross just wide of the far post.
The double took Jermain's goal tally to 19 in 53 senior caps as England racked up their biggest win since 1987.
Kyle also played 90 minutes to earn his fifth full cap while Scott Parker returned to the England fold to win cap number 18, his last appearance in the European Championship quarter-final against Italy back in June. Steven Caulker was an unused substitute.
As expected, it was a convincing display from the Three Lions with Alex Oxlade-Chamberlain, Ashley Young, Frank Lampard, Wayne Rooney and Daniel Sturridge also on target. The first goal came via an own goal at the Serravalle Stadium.
Despite the goal feast, Montenegro held onto their two-point lead at the top of Group H thanks to a 1-0 win in Moldova, so it's perfectly set-up for when the teams meet in Podgorica on Tuesday night.