^^ I am not sure of the price of the one that you selected. I think it might be around 7-8K.
Touch response is, if you press the button hard, then loud sound will come from the speakers. For a delicate press, hardly any sound will come.
If you are just going to start learning and you are quite serious about it then go for any model with recording facility and a bender. The PSR-295 does not have a bender and 403 is the starting model for a bender.
A bender is used to change the pitch of the key being pressed. Like you know, in a sitar, you can make a note of varying pitch. (Cannot explain in words....
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If you want the best, then YAMAHA is not the best. The best is Roland. and Roland keyboards (descent ones) will cost something above 25K. So stick to YAMAHA for low budget.
Casio is good but not good enough. The polyphony is not good. (Polyphony is the max number of keys, when pressed, produce distinguishable notes). Note quality is also not as good as in YAMAHA.
Aditya