guys can you suggest which package is the cheapest one if i want to buy s3 from telco?

for example digi

Item(s) Price
Samsung GALAXY S III (Pebble Blue) RM 1299.00
DG Smart Plan 88 (Advance Payment for Plan) RM 88.00
Device Advance Payment RM 600.00
Delivery Fees (Delivery Terms and Conditions) RM 0.00
Total Price RM 1987.00

i need to pay RM1987 for first payment and bond with them for 2 years Rm88 ? or i need to pay lumsum 1987 + (88x12) and they will deduct the money from there? but i dont have credit card