Hi everyone. I'm looking to change my phone as it is almost hitting the six year mark and it's beginning to show a lot of issues. I was wondering whether it's better to subscribe to a telco plan eg. Maxis or Digi for 24 months or pay cash? I heard it saves money but some people also say in the long run you pay more.

Never subscribed to a telco plan before. Right now I'm using Digi prepaid 68/month for 30gb + unlimited calls and it is sufficient for me.

In Digi's website it mentions 173 a month x 24 for Ip pro So you save 747, is this true? Or do I still have to pay installment price and is there hidden costs. Also what are the reasons you choose pro or 12? Thank you for answering!