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You can alter some of the assumptions yourself to tweak the economy to suit your science fictional background.
Actually it will be closer to 1/5th due to the interest on the purchase loan.
Therefore the starships will do fewer trips per year than airliners, so the starship passenger ticket price (and cargo waybill) will have to cover a larger share of the starship's yearly expense.
For comparison purposes we need an airliner's average cost of running, but the corporations are remarkably closed-lipped about that.
A cargo jet can carry 50 tons so its purchase price is about million per ton of cargo capacity.
Assumption: starships are strictly orbit-to-orbit, they use space ferrys to transfer passengers and cargo between the starship and the planet.
Therefore it costs 0,000 per ton of cargo capacity per year to run a cargo starship.