I think it's really down to personal reference and needs. But I think if you're not a rich fag and want to spend money wisely, I think buying the iPhone with premium telco package is a bad choice. For example, assuming you're using RM40 plan now, because of the iPhone package, you need to pay RM60 monthly just for the data plan(not including the phone price even tho it's cheaper compared to retail price). At the end you're still paying more overall.

If you don't have the ~Rm3500 cash, you can buy it via 0% interest instalment for 24 months, and use your other cash to buy stock or self improvement. When you get dividend, even tho it's very little, at long term (24 months), you still get your phone cheaper overall, and you can have some cash every month to do other investments: buy books, self investment, online courses, saving fund, insurance, mutual fund, stock etc.