It’s 20 past 9 (Official clock system).

09:20

It’s 20 past 9.

Correct answer

08:40

It’s 20 to 9.

Error: mirror minute hand about the vertical axis

09:04

It’s 4 past 9.

Error: read minutes as hours with ‘past’ or ‘to’

04:45

It’s a quarter to 5.

Error: confuse hour and minute hands