It’s 28 to 5 (Official clock system).

04:32

It’s 28 to 5.

Correct answer

04:33

It’s 27 to 5.

Error: 1 minute later

03:52

It’s 8 to 4.

Error: read minutes starting from hour markings and adding minutes

06:20

It’s 20 past 6.

Error: confuse hour and minute hands