**Core Concept**
Human milk and cow's milk have distinct compositions that cater to the nutritional needs of human infants and calves, respectively. Human milk is designed to provide optimal nutrition for human growth and development, while cow's milk is formulated to support the rapid growth and development of calves.

**Why the Correct Answer is Right**
Human milk contains a higher concentration of lactose (approximately 7%) compared to cow's milk (approximately 4.7%). This is because human infants require a more readily available source of energy for their rapid growth and development. The increased lactose content in human milk also helps to promote the growth of beneficial gut bacteria, which is essential for immune system development. In contrast, cow's milk has a higher protein content, which is more suitable for the growth and development of calves.

**Why Each Wrong Option is Incorrect**
**Option A:** Human milk actually has a higher concentration of protein than cow's milk, which is essential for human growth and development.
**Option B:** Human milk contains a higher concentration of calcium than cow's milk, making it more suitable for human bone growth and development.
**Option C:** Human milk contains a higher concentration of minerals, including calcium, phosphorus, and potassium, compared to cow's milk.

**Clinical Pearl / High-Yield Fact**
It's essential to note that human milk is not a suitable substitute for cow's milk in infant nutrition, and vice versa. The unique composition of human milk is tailored to meet the specific nutritional needs of human infants, and its use as a substitute for cow's milk can lead to nutritional deficiencies and health complications.

**✓ Correct Answer: D. Human milk has comparatively less of lactose**