I had do some comparison is it worth to get Postpaid 48 or Postpaid 98.
So here my opinion and calculation.
Assuming all calculation is based on iPhone 7 Plus, 128 GB (exclude GST), and assuming you will stick to the plan for 12 months so next year you can change iPhone 8.
Postpaid 48 - 3GB Dataa) Monthly Commitment: RM48 * 12 = RM576
b) Device Price = RM 3733
Total Cost of ownership (plan + device) for 1 year is RM4309
With 6% GST =
RM 4567Postpaid 98 - 10GB Dataa) Advance Payment: RM 672 divide into 2 = RM 336(because it will rebate in 24 months, but the calculation need to based on 12 months, the left over RM336 will be burned)
b) Monthly Commitment = RM 98 - RM28 (rebate monthly from advance payment *12 months) = RM70
c) Device Price = RM 3013
d) Penalty Fees : RM 200 (assume you want to cancel it and sign a new contract on next year)
Total Cost of ownership (plan + device + penalty) for 1 year is RM 4389
With 6% GST =
RM 4652From the calculation, the package is only different around RM85 (with GST included) for 12 months and you can enjoy extra 7GB for 12 months.
Apple Retail Price is RM4,299 (inclusive of GST) but without any telcos plan, so you do the maths and calculation, is that having a contract is always on the disadvantage side?
For me, I will always go for contract (just my 2 cent)