To solve the given problem, we need to identify the pattern or rule that makes three of the four letter-cluster pairs similar while determining the odd one out. Let's analyze each option based on the English alphabetical order:

1. Option 1: IB-ZH
   • In the alphabet, 'I' is the 9th letter, and 'Z' is the 26th letter. The difference between the positions of 'I' and 'Z' is: 26 - 9 = 17.
   • 'B' is the 2nd letter, and 'H' is the 8th letter. The difference is: 8 - 2 = 6.
2. Option 2: EX-VD
   • 'E' is the 5th letter, and 'V' is the 22nd letter. The difference is: 22 - 5 = 17.
   • 'X' is the 24th letter, and 'D' is the 4th letter. Reversing the order (as it goes back), the difference is: 24 - 4 = 20.
3. Option 3: HA-YG
   • 'H' is the 8th letter, and 'Y' is the 25th letter. The difference is: 25 - 8 = 17.
   • 'A' is the 1st letter, and 'G' is the 7th letter. The difference is: 7 - 1 = 6.
4. Option 4: FI-WE
   • 'F' is the 6th letter, and 'W' is the 23rd letter. The difference is: 23 - 6 = 17.
   • 'I' is the 9th letter, and 'E' is the 5th letter. Since 'I' appears after 'E', the reverse difference is: 9 - 5 = 4.

On analyzing, we observe:

• In pairs IB-ZH and HA-YG, the differences between the letters in both parts of the pair are consistently adding up to a pattern involving '17' and '6' (a major and minor shift, respectively).
• Option EX-VD breaks the pattern because while the initial pair adds to '17', the second jumps 20 positions, which does not fit the '6' or similar minor gap pattern seen.
• Option FI-WE's second pair has a difference of '4', breaking the minor shift pattern entirely.

Therefore, the letter-cluster pair FI-WE is the odd one out, as it significantly differs in the way the letters relate to each other.