Some festivals are held to honor the dead or to satisfy the ancestors, _____might return either to help or _______.

A．who; to do harm

B．which; do harm

C．that; to do harm

D．who; doing a harm

某人拟购置一处房产，房主提出两种付款方案：方案1：从现在起，每年年初支付40万元，连续支付10次，共400万元；方案2：从第5年开始，每年年末支付50万元，连续支付10次，共500万元；

若家人愿意为你提供购房所需款项，资金成本率为5％，你应选择哪种付款方式？