If i may add. The comparison is inaccurate and unfair.
As previously mention GST was not included.

Also this comparison is made with the assumption of you would be spending RM85-100 a month regardless of the phone price as a baseline which is highly inaccurate comparison. There are also alot of other factors to consider.

The preferred way IMO is to decide on what do we really need first?
Eg, If unlimited phone calls and sms is what we need, then we should compare Umobile i90 with Maxis one plan 128 only.
Kindly take note that umobile i90 plan is similar to P70 plan + RM20. while maxis plan is unchanged.

Umobile would cost RM 5930.7 for a 24month iphone 6splus 128gb while
Maxis would cost RM6717.22 for a 24month iphone 6splus 128gb
(note: umobile has additional 4gb extra than Maxis)\

Another factor to consider is getting the phone with contract or buying the phone individually.
There are several other factors and some people would made the calculations and realize it maybe cheaper to buy the phone alone without the contract.

Heartache looking at the new price...A base model for 15" is 8999... Wth. That was 5.6k 1.5 years back.. Crazy how the prices increase like that.

What do u mean by budget less by RM100? mind elaborate a lil?

I left it overnight already still the same. hmm might have to restore again to check

I know this sounds counter intuitive but if you already have an iPad Air, get the Note 5 or better still Nexus 6P next month (for me) as your phone as its more interesting to try two ecosystem at the same time and it's cheaper. Using both iPad and iPhone especially 6s+ is just too much iOS for me at one time as the features and usage not significantly different, that's why I never use an iPad. Unlike the watch that enhances the experience, iPad-iPhone combo just too jialat for me personally. This will change of course with iPad Pro with Apple Pencil (waited years for this).

I use every ecosystem and brands, no insane allegiance to any manufacturer but from my record and experience (this is personal, doesn't apply to anyone!), there is just something missing from Samsung products..I tried hard to use it for long term but not one ever passed 2 months. Only 3 smartphone brands managed to stay longer than a year as my primary device - Nokia, Sony and longest Apple