Answer:
16 in. X 20 in will keep more.
Explanation:
Length of picture = 4 inches 
Breadth of picture = 6 inches 
Area of picture=

 =

 =

Length of frame 1 = 16 inches
Breadth of frame 1 = 20 inches 
Area of frame 1 = 

So, % of picture can fit in frame 1= 

 = 

 = 

Length of frame 2 = 18 inches 
Breadth of frame 2 = 24 inches 
Area of frame 2 = 

So, % of picture can fit in frame 2 = 

 = 

 = 

Since % of picture can fit in frame 1 is more than frame 2 .
So, 16 in. X 20 in will keep more.