Which payment plan makes more sense in today's Gurgaon market?

Spent the whole Sunday checking out options in Sector 85, including some SS Group projects. I'm looking for maximum ROI here, not just a place. From my experience, construction-linked plans often mean higher total costs later with PLCs. But upfront down payments tie up capital, affecting other investments. I'm weighing a pre-launch deal that's 15% cheaper with a 20:80 CLP versus an almost-ready one with a 50:50 plan, but at a 10% premium. What payment plan structure do you guys think is smarter for an investor right now in Gurgaon?