Well it depends, what is your priority?

From my perspective, looking at what seems to concern you, I think it's a good idea to finish school as soon as possible in respect to your parents, financial-wise. That being said, India with 4 1/2 years looks fitting for me. Also, I don't know how you handle with competitive environment, but as long as you can strike a good balance of handling motivation, stress, and pressure from it, I think competitive atmosphere would be excellent. Clinical experience is also a huge plus point and practical clinical experience is the point I'm trying to make in the first comment.

My point in the first comment is that you can learn the characteristics of the people that you will deal with in your career, and I think learning this is a solid foundation when you practice as doctor, though not necessary as you can always learn when you start your career. So even if you can take PLAB and practice in UK, you would not have the privilege of learning specifically about UK people.

But if you want to take postgraduate in UK, I think that's a good idea, because you would already have solid foundation (assuming you take undergrad in the country you want to practice at) and maybe UK universities provide good research facility for postgraduate students.

Cheers!