Fate can be changed infinitely F(8) aka the infinity symbol. Fate is basically a thread. Depending on your actions it will have consequences not always bad not always good. We can also change the Fate of others for example you see someone at gun point and you save them somehow. You changed their Fate and you also gave yourself good karma. But if they are destined to die destiny will find them again. This is basically what the movie "final destination" is about.
So destiny is what will happen regardless of fate. Fate is connected to destiny basically like destiny is the 1 and Fate is the many.
I love this breakdown Reflection
I had to explain that to someone and you did a great job. Fate you can change and destiny you can’t