I think the principal is better.

Average capital repayment method: the repayment of the principal is the same every month, and with the gradual reduction of the principal, the interest is gradually reduced.

Matching principal and interest repayment method: the monthly repayment amount is fixed, including principal and interest.

If personal income is stable and future income growth can be expected, you can choose the average capital repayment method; If the income is relatively stable, but the expectation of future income is not high, you can choose the repayment method of equal principal and interest.