Deutsche Bank has reiterated its 'Buy' on HDFC with a target of Rs 760. The management highlighted that all the dual-rate home loans of about Rs 22,000 crore will move to a floating rate from the April 1, yields on these loans are likely to re-price upwards by 150 bps. This, combined with wholesale funding rates coming off, should lead to an improvement in spreads from the first quarter of FY13.