The banking regulator plans to adjust its capital requirements to support the new First Home Loan Deposit Scheme.Recognising both the minimum 5 per cent deposit required under the scheme and the government guarantee of 15 per cent, APRA said it proposed to allow ADIs to treat eligible loans in a comparable manner to mortgages with a loan-to-valuation ratio of 80 per cent.This would allow loans written under the scheme to be risk weighted at 35 per cent.A bill introducing the scheme was passed earlier this month. First home buyers will only need a 5 per cent deposit for their mortgage. The government will make up the rest with a guarantee. It will invest A$500 million in the National Housing Finance and Investment Corporation to back the guarantees.The scheme will be available to 10,000 people a year. Support will be available for people with income up to $125,000 ($200,000) for a couple. There will be a maximum loan size, depending on the market where the property is being purchased.In a consultation paper issued yesterday, APRA said that if the government guarantee ceases to apply to a loan, ADIs would revert to applying the relevant risk weights.