At the end of 60 months I would expect to have earned around .80 BTC so any price over $45k should be net positive.
How did you calculate to expect to mine .8 BTC during such a long period of mining (60 months)?
You buy some mining gear and with that you basically have a somewhat constant but limited hashrate. Did you take difficulty adjustments into account? (I didn't do a quick napkin calculation to estimate if you've taken this into account; my gutt feeling tells me, you didn't).
Have a closer look how globel hashrate evolves over past months and calculate a few scenarios for your 60 months time frame how global hashrate might develop. When your own hashrate is constant and global hashrate and difficulty rises, guess what that means! Hint: your mining gear earns you less and less coins...