You are looking to purchase a house for $500,000 with either a 70% or 80% LTV loan (both 30-year mortgages). The 70% LTV loan has a rate of 5.25% and the 80% LTV loan has a rate of 5.375%. The 70% LTV doesn't require any points at closing and the 80% LTV loan requires 0.50 points. What the marginal borrowing cost of the 80% LTV loan in relation to the 70% LTV loan if you plan to pay either loan over the full 30-year term?