Calculator
Enter the deposit, loan, rate and opportunity cost for each option to calculate the real cost difference over your stay.
Fill in the fields to see your result here.
This doesn't pull live market or policy data. Enter the loan rate you actually have, and the return you would expect if your own capital were invested elsewhere.
No. Future price changes are not predicted; the numbers you enter are assumed to hold for your whole stay.
Yes. Leave the loan at 0 and that amount is treated as your own capital, counted only toward opportunity cost.