I'd go with the most HP that the boats rated for and certainly go for 5 more HP for £50.
I had a 15 hp 2 stroke Mercury on my Honwave 3.5 AE but it's a better craft all round with the 20 hp Tohatsu 4 stroke. Quieter, more economical, no pre-mixing and a lot more powerful. Seems as guick on acceleration too but that;s tough to judge accurately.
Obviously heavier but as the boat will live on a trailer no issues.