Loan Cash-out & Fixed Deposit Spread Calculator

Parameters Editable

Cash-out Amount (HK$)

Loan APR (%)

Deposit / Risk-free APY (%)

Repayment Period (Years)

Deposit Interest Calculation

Total Interest at Maturity (HK$)

Fee Type

Fee Amount (HK$)

Please run the calculation first

Monthly Repayment

—

Interest Income

—

Interest Expense

—

Net Profit / Spread

—

Total Repayment

—

Handling Fee

—

Effective Annual Cost

—

Break-even Deposit Rate

—

Cumulative Interest Trend

Interest Rate Sensitivity Matrix (Net Profit HK$)

Monthly Repayment Schedule

Period	Repayment	Interest	Principal	Balance	Cum. Interest Expense	Cum. Interest Income*	Cum. Net Spread

Assumptions & Notes

The full cash-out amount is placed into a fixed deposit until maturity; monthly repayments are paid from other cash flows and not withdrawn from the deposit.
The loan uses equal monthly installments, with interest decreasing as the remaining principal decreases.
Actual results may vary depending on bank calculations. This tool is for reference only.