@wayneh2121: As the Note 20 is a recent flagship device, monthly contract costs are expected to be relatively high compared to other phones. You have the option of checking available payment plans directly with your network, or exploring the Pay Monthly Network Contract options at the purchase stage on our website. To find out more, please check the link below.
I sent my one back and ordered the Note 10 plus. It's 25 percent off at the moment and not that much worse. It has a better Exynos chip with no overheating or battery drain and it's about to get OneUI 2.5 as well. Only £749. Bargain.