First you find the same denominator so in this case its 24. So you multiply 1 by 3 and what you do to the bottom you do to the top. Then you leave the other one as it is. Then subtract 5 from 1 then you get 4. Which can be reduced to
The more expensive plan is the 3 year plan. He should expect to pay 306 a per month with would be 3682 (if I’m right) sorry about the other person I reported their answer