plagiarism is taking the work of others and passing it as your own without crediting the authors. In this case the photographer created his work of art/composition, your work is completely based on the work of art of the photographer, a derivative work, and you dont credit the author, hence, its plagiarism.
Additionally, you dont have permission to monetize derivative works of that copyrighted photograph, so you are also infringing copyright law.
What is prohibited by law is making a derivative work of a copyrighted work and monetizing it as you are doing without permission of the author of the original to do so.
plagiarism is taking the work of others and passing it as your own without crediting the authors. In this case the photographer created his work of art/composition, your work is completely based on the work of art of the photographer, a derivative work, and you dont credit the author, hence, its plagiarism.
Additionally, you dont have permission to monetize derivative works of that copyrighted photograph, so you are also infringing copyright law.
Borrowing is not prohibited by law! Do not confuse these things! Plagiarism is the appropriation of work!
You can find more about what art plagiarism is here: https://steemit.com/abuse/@jaguar.force/what-is-art-plagiarism-by-francis-leverett-golden
What is prohibited by law is making a derivative work of a copyrighted work and monetizing it as you are doing without permission of the author of the original to do so.