Even on the 5th level usually you just need to calculate the last digit, not the whole answers, because the last digits of the answers are usually different.
I'm offering that there should be the right answer x(2 or 3 digits), and all others 4 must be in the range from x - 20 to x + 20, and 3 of them should have the same last digit, while the other two should have another one, but they also share this digit. Also this another last digit must be odd, if correct one is odd, and even, if the correct one is even
FOr example, 24*13= 312, 316, 306, 322, 336.
So, the only option for me is qr - captcha, while I like the math one.