A Telstra mobile phone plan for the iPhone S10 will cost you $100 per month for 24 months. An Optus plan for the same phone will cost $170 per month for 12 months. You wish to buy the iPhone S10 today, which plan should you pick? If you invested your money instead, you could earn 4% p.a.?

A Telstra because it has the lowest PV cost

B Optus because it has the lowest PV cost

C Telstra because it has the highest PV cost

D Either of the plans as they all have the same PV cost

E Neither plan as I would invest the money instead.