It’s 11 to 5 (Official clock system).

04:49

It’s 11 to 5.

Correct answer

04:50

It’s 10 to 5.

Error: 1 minute later

03:51

It’s 9 to 4.

Error: read minutes starting from hour markings and adding minutes

10:20

It’s 20 past 10.

Error: confuse hour and minute hands