For the Accord: $24,912 and 450/mo for 60 mos.
That's $12,000 dollars over the 5 years of the loan. At $2.50/gallon and 33mpg for the Accord, you would drive 160k before you got caught up to the 36k purchase price of the Clarity.
I'd buy the Accord.
I wouldn’t buy either, but your point is valid.
The finances change when you subtract the $7500 the Federal Govt kicks in. Still probably not enough to get me to pick the Clarity over the Accord.
We love our second V-6 Accord, a 2013. Not sure about the new V-4 Turbos.