We've heard Bloomberg spread the "more affordable" rumor before,
 and at the time it stated that Samsung is still negotiating prices with
 carriers, mulling whether to price it lower than its usual flagship 
launch tag. Now, whether that means it's the carriers that will bear the
 brunt of the Galaxy S5 subsidies, and the end user will get it for 
cheaper than the usual $200 on contract, remains to be seen.  
Alternatively, Samsung might decide to ship it for less to carriers
 as well, eating some margin spread, and passing the savings down to 
consumers. If these rumors pan out, we win in both case scenarios, yet 
when asked to comment on the matter, Samsung replied "we'll reveal the specific pricing after consultation with international carriers," which is as boilerplate as it can be. 
source: ZDNet.co.kr
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