Question about hdfc 60/40 regulatory agreement

I posted this question in an old thread but it's not getting the attention I hoped it would. :) Does anyone have thoughts on the 60/40 regulatory agreement for an HDFC? I'm about to buy a primary residence with no plans to sell. But I also don't know what the future will bring (I've never lived anywhere longer than 7 years). The agent is telling me that the change to 70/30 only requires a board vote and is scheduled to happen next year. The 60/40 has me really worried. It makes me feel like I might be paying too much, and that it might be a hard sell if I ever want out and it turns out that the agreement could not be changed. Does anyone have any thoughts on this? Many thanks!