There is similarity and variation to these two parables, in which the value of the money doesn't seem to have a significant meaning.
The similarity of these two parables, both alluded to the period between the ascension of Jesus and His 2nd coming. The Christian are gathering to receive their final judgement.
The variation is the most interesting part. It is possible that Jesus had taught a few variation of similar parables. But Matthew and Luke should have recalled the one that most fit into their context. Therefore it has to look into its context to understand the variation between these two.
Matthew 24-25, or the Olivet Discourse, Jesus gave a scene of tribulation and warned His disciples to 'keep watch' (Matt 24:42 NIV) and 'ready' (Matt 24:44 NIV) for no one will know when it will happen. Then Matthew followed with a few parables to illustrate the meaning of 'keep watch' and 'ready'.
In the parable of the talent (Matt 25:14-30), there were three servants each was given five talents, 2 talents and 1 talents 'according to his ability' (Matt 25:15 NIV) for their disposal. When the master returned, they reported earning of five talents, 2 talents and none respectively. The first two servant received the master compliment, should be those who keep watch and ready. The third one produced nothing, and the master described him as 'wicked and lazy servant".
Next let's see the parable of the Ten Minas in Luke. It should be noted that Luke had given a reason why Jesus told this parallel
11 While they were listening to this, he went on to tell them a parable, because he was near Jerusalem and the people thought that the kingdom of God was going to appear at once.
In this parable, though there were ten servants received one Minas equally, only three servants reported their earning when their master returned. Similarly it was five, two and none, and the first two received compliment from their master, the third one the master described him as 'wicked' (Luke 19:22 NIV).
Explanation to the parable of the Talent
It might be easy to connect when the number of talent is related to 'his ability', talent may refer to God's gift which differ to each person. This seems corresponding to another parable in Luke 12:35-48, that emphasized 'watchfulness' as a servant, in where it said;
46 The master of that servant will come on a day when he does not expect him and at an hour he is not aware of. He will cut him to pieces and assign him a place with the unbelievers.
47 “The servant who knows the master’s will and does not get ready or does not do what the master wants will be beaten with many blows.
48 But the one who does not know and does things deserving punishment will be beaten with few blows. From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.
So five to earn five, two to earn two justified.
Explanation to the parable of the Minas
This parable is likely to correct the wrong idea of the people, who thought 'the kingdom of God was going to appear at once.' (Luke 19:11 NIV)
The Minas is likely referring to Jesus' command;
19 Therefore go and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit,
20 and teaching them to obey everything I have commanded you. And surely I am with you always, to the very end of the age.”
All Christian received the same command, but some are more fruitful, as such, they will receive more God's gift (talent) and carry out more responsibility (cities).
Did Jesus use 'talent' for the parable in Matthew for He foresaw its meaning in English?