How do I solve the one way (top) table and two way table (bottom) using what-if-analysis?

F29 fx \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline & A & B & c & D & E & F & G & H & 1 & J & \multirow{2}{*}{\multicolumn{2}{|c|}{ K }} \\ \hline 1 & Loan Amount & $17,500 & & & & & & & & & & \\ \hline 2 & Annual Interest Rate & 3.50% & & & & & & & & & & \\ \hline 3 & Interest Rate increments & 0.25% & & & & & & & & & & \\ \hline 4 & Pmt. Period & 1 & & & & & *. & & & & & \\ \hline 5 & Number of Periods & 60 & & & & & & & & & & \\ \hline \multicolumn{12}{|l|}{6} & \\ \hline 7 & Payment Amount & ($318.36) & & & & & & & & & & \\ \hline 8 & Total Payment & ($19,101,33) & & & : & & & & & & & \\ \hline 9 & Total Interest & ($1,601.33) & & & & & & & & & & \\ \hline \multicolumn{12}{|l|}{10} & \\ \hline \multicolumn{12}{|l|}{11} & \\ \hline 12 & & & 3.25% & 3.50% & 3.75% & 4.00% & 54.258 & 4.50% & 4.75% & & & \\ \hline 13 & Payment Amount & (\$3318.36) & & & & & & & & & & \\ \hline 14 & Total Payment & (519,101.33) & & & & & & & & 7 & & \\ \hline 15 & Total interest & ($1,601.33) & & & & & & & & & & \\ \hline \multicolumn{12}{|l|}{16} & \\ \hline \multicolumn{12}{|l|}{17} & \\ \hline 18 & Payment Amount & ($318.36) & 3.25% & 3.5006 & 3.75% & 4.00% & 54.25x & 4.50% & 4.75% & & & \\ \hline 19 & & 24 & \multicolumn{9}{|c|}{4} & \\ \hline 20 & & 36 & & & & & & & & & & \\ \hline 21 & & 48 & & \\ \hline 22 & & 60 & & & & & & & & & & \\ \hline \multirow{2}{*}{\multicolumn{3}{|c|}{\begin{tabular}{l} 24 \\ 25 \end{tabular}}} & & & & & & & & & & \\ \hline \multirow{2}{*}{\multicolumn{10}{|c|}{\begin{tabular}{l} 25 \\ 26 \end{tabular}}} & & & \\ \hline & & & & & & & & & & & & \\ \hline \multicolumn{12}{|l|}{27} & \\ \hline \multicolumn{12}{|l|}{28} & \\ \hline \multicolumn{12}{|l|}{29} & \\ \hline \multicolumn{12}{|l|}{30} & \\ \hline 31 & & & & & & & & & & & & \\ \hline \begin{tabular}{l} 32 \\ 33 \end{tabular} & \multicolumn{11}{|c|}{32} & \\ \hline \multicolumn{12}{|l|}{\begin{tabular}{l} 33 \\ 34 \end{tabular}} & \\ \hline 35 & & & & & & & & & & & & \\ \hline 36 & & & & & & & & & & & & \\ \hline \end{tabular}