You could turn the field into a "Number" format, rather than a calculation.
Then use a script trigger, or auto-enter calculation to enter the calculated value when needed.
you can't use a calculated field to do both tasks. You would need a second field to accept the alternative value:
If ( Program Passport="YES" ; Table::AlternativeValue ; 5 * Ceiling ...
You can accomplish this many different ways, including a scripted "interview". Note Carl's answer, above, too.
I wonder if you just need to set up the Wholesale Price field with an auto-enter calculation.