UK example:
3GB is 12UKP ~ $20 CDN/month.
UK OnePlus5 (higher due to UK salestax 20%)
449ukp = $734 CDN.
So in UK example depreciating the phone across 24 hours is $734/24 CDN = $30.58 CDN / month and the UK SIM only $20/month = $50.58. So you paying $95/month is approaching double the UK cost and you pay a little extra $99 to buy handset.
In USA (where I am currently) it is $479 US ~ $602 CDN and I get 10GB/month at average of $30 USD/month ~ $38CDN/month, so the same calculation is $602/24+$38 = $63CDN for 10GB vs your $95 for 3GB.
So in this example the lowest cost country is UK then USA then CDN.