why 98 cheapest?

Get 128 and combine it with your maxis fibre, can get unlimited internet.
I use the sim card with my portable 4g router

Welp depends on your perspective, in a way in it can be cheaper

As I said the postpaid fee itself is mainly paying for the telco's network services

If a customer prefer maxis coverage and stability over others I don't see the problem

You get what you pay for though

PPU is the same rate as contract while contract has terminations costs which is unnecessary and waste of money 

Unless telcos starts subdising 30% or more of the phone costs then it is only worth being tied to contract then

looking at TS's chart I assume he's going for 13Pro Max 1TB

which apple malaysia listed 7599

using this normal contract on the 98 plan will give you close to 20% off the msrp following apple malaysia's price

heck if you go for the 188 plan it will be almost 25% off msrp

provided you actually use that much of the quota

yeah you have termination costs but if you don't breach the contract I don't see the issue

besides whats the use of the phone without a proper mobile plan anyways?

if you are the kind of user that like to switch around telcos for short term satisfaction then understandable

everyone got their definition of "worth" i guess, just giving my 2 cents ¯\_(ツ)_/¯

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Good luck

Get 128 and combine it with your maxis fibre, can get unlimited internet.
I use the sim card with my portable 4g router