It’s 19 to 5 (Official clock system).

04:41

It’s 19 to 5.

Correct answer

04:40

It’s 20 to 5.

Error: 1 minute earlier

03:51

It’s 9 to 4.

Error: read minutes starting from hour markings and adding minutes

08:20

It’s 20 past 8.

Error: confuse hour and minute hands