Jacky takes out a 5-year personal loan from the bank today. Jacky will make 10 equal half-yearly repayments including the principal and the interest (P&I) starting in 6 months. The interest rate is 7% p.a. compounded half-yearly. Which of the following would help Jacky reduce the total repayment? 

A. Make 60 equal monthly P&I repayments starting in 1 month.

B. Make a single repayment at the end of year 5.

C. Repay interest only for the first 2 years and repay P&I for the following 3 years.

D. Make 5 equal yearly P&I repayments starting in 1 year.