Mortgage Loans

One loan is 30 years fixed at 5% rate with monthly payment m$. The second loan is 5/1 ARM (first 5 year is fixed at 5% then it becomes adjustable). For the second loan, the borrower is told he can pay m$ monthly or pay n$ monthly so that he can pay it off in 5 years. Both loans do not have pre-payment panelty.

The question is if the borrower take the first loan and pay n$ each month, can he pay it off in 5 years?

If the answer is no, please explain why.