26/08/2026
Everyone’s sharing the summary. Here’s the part worth sitting with.
The BTO ceiling moved to $16k on 24 Aug. If you’re newly eligible, you’ve gained an option to evaluate... not an obligation to take.
So the question isn’t whether you can apply now.
It’s whether the plan you already had was a choice, or something you settled for because BTO was closed to you.
One of those means nothing has changed.
The other means it’s worth a fresh look.
HFE documents for the November exercise are due 25 Sept. Save this if you’re deciding! ☝️