PLEASE HELP!!! EASY QUESTION THANK UUU

You just borrowed $500,000 using a 25 year home loan that's interest-only for the first 4 years, and principal and interest (P\&l) for the remaining 21 years. The interest rate is 5.4% pa compounding monthly which is not expected to change. Which of the following statements is NOT correct? Select one: a. The effective monthly rate is 0.045 per month, given as a decimal. If the interest rate rises, the IO and P&I monthly payments will rise. b. If the IO term was one year shorter so the P\&I term was one year longer, then the monthly payments over the P\&I term would be lower. c. The IO loan's perpetuity factor' is 222.222222 , while the P\&I loan's annuity factor is 150.541507. d. The IO loan payments will be $2,250 per month, rounded to the nearest cent. e. The P\&l loan payments will be $3,321.34 per month, rounded to the nearest cent