请教points的选择，选哪个？

25% downpay, investment property

4.499 with a buy down cost of .375% or $721.65.  P&I payment is $974.97
4.375 with a buy down cost of .500% or $962.21.  P&I payment is $960.84
4.250 with a buy down cost of .750% or $1,443.31. P&I payment is $946.70
4.125% with a buy down cost of 1.125% or $2,164.97.  P&I payment is $932.67.
3.99% with a buy down cost of 1.625% or $3,127.19.  P&I payment is $918.64.

有足够现金，该选哪个？