Don't think your maths is correct.

After year 2 you don't have to pay the monthly payment and upgrade fee anymore, and paying for device protection is also questionable. Hence it should be 3,312 + (98*36)+ 3,528 = 6,840.

It is also questionable whether you want to pay the upgrade fee and device protection if you don't intend to upgrade every year; if you intend to upgrade every 2 years (i.e. contract expiry), then there is no need to pay the RM30 and RM15.

So total should be (93*24) + (98*36) = 5,760.

Or you can look from another perspective. After year 1, you want to upgrade:

Total paid to Maxis = ([93+30+15]*24) + (98*12) = 1,656 + 1,176 = 2,832.

Senheng = Device RRP + plan - disposal = 2,699 + 1,176 - 1,300 (assume 50% recovery) = 2,575.

Buying device outright still comes out cheaper!

Zerolution basically targeting ppl who can't/ doesn't want to pay upfront. And doesn't eat up your credit limit.