Hantec's 4 plans compared | Enhanced's max loss line rises to the starting balance once you withdraw. Which should you buy — the 2-step or the 3-step Endurance?

※ Every plan was re-checked against Hantec Trader's official help center (the 4 Challenge Types articles) on September 27, 2026, and this article was rewritten in full. Prices are list prices confirmed on the official site on September 9, 2026. Rules can change, so check the official site before buying.

Conclusion: choose based on the drawdown after a payout

Hantec has 4 challenges. The most important difference isn't price or the target — it's what happens to the max loss line after you make a payout.

We'll use the official help center's own example for Enhanced. On a $50K account with $3,000 in profit, if you withdraw $2,000 of it, your balance is $51,000. The breach line rises to $50,000, so only $1,000 of cushion remains. Withdraw all your profit and the cushion hits zero — the next loss fails the account.

On a $100K Enhanced account, the breach line sits at $90,000 before any payout, giving you a 10% cushion. The moment you make a payout, the line rises to $100,000, and from then on your cushion is only whatever profit you've left in the account.

Endurance and EnhancedX are different. On a $100K account, the breach line stays permanently fixed at $92,000. Withdraw $10,000 from a $110,000 balance, and the full 8% cushion remains.

• If you want to run the account for a long time while making payouts, go with Endurance. At $299 for $100K, it's the cheapest, and its 8% cushion never disappears even after payouts
• Enhanced is a plan whose "box is only wide before your first payout." If you pick it, you'll end up structuring your withdrawals to leave enough in the account to survive a loss each time
• EnhancedX costs the same $599 as Enhanced but has a narrower box, and its 35% consistency rule also applies to payouts — so there's little reason to deliberately choose it
• Express is fast, but has a 6% trailing DD that locks on a payout. It has the thinnest box of the four

Specs of the 4 plans

Rules common to all 4 plans:

• No time limit, holding over weekends is fine, EAs allowed (MT5), no refund on the fee, $400K combined cap
• Daily loss is calculated from "whichever is higher — balance or equity — at server-time midnight"
• The standard split is 80%, and the "95% Reward Share" add-on (+30% of the price) raises it to 95%
• Payouts start 14 days after your first trade, then every 14 days after that (the Weekly Payout add-on shortens this to 7 days)

Two rules apply only to funded accounts.

• If your total floating loss reaches 3% of the starting balance, you're failed on the spot (a hard breach). Multiple positions are combined
• You cannot open or close a position within 3 minutes before or after a major indicator (a red event on Forex Factory)

EnhancedX's payouts have an additional quirk. You must withdraw your full profit in a single request — partial withdrawals aren't allowed. The minimum is also 2% of the starting balance in profit. Because of this, your balance resets to the starting balance every payout, but since the line stays fixed 8% below it, the 8% cushion remains.

Watch the difference in minimum-days rules

• Enhanced counts "profit days." You need 3 days with 0.5%+ profit per stage. Once funded, you need 3 profit days per payout cycle, and this resets each cycle
• Endurance counts "trading days." Any day you open a new position counts, even a losing day. There's no requirement once funded

Pricing

At every size, Endurance is almost exactly half the price of Enhanced. The official standing coupon NEW35 (35% off any challenge) also applies.

Approximate pass rate: each step of the 3-step is easier alone, but you need to clear all 3

Here's a rough estimate for a trader with zero edge, based purely on whether you reach the target or the loss line first. It doesn't account for daily loss or trading-style quirks.

Endurance is easier to clear step by step, but needing to clear it 3 times in a row lowers its overall pass rate. Even so, because the price is half, the cost per funded account ends up a bit cheaper with Endurance.

The more edge you have, the higher your per-step pass rate gets. That shrinks the disadvantage of needing to clear 3 rounds, which makes Endurance even more favorable.

The real gap opens up once you're funded

This compares what happens if you repeat "earn 8%, withdraw it all" on a funded account.

Enhanced's "wide 10% box" is only true up to your first payout. If you want to keep some cushion with every payout, you can only withdraw part of your profit. For example, if you want to keep a 5% cushion on a $100K account at all times, you can only withdraw the portion above a $105,000 balance — your first 5% of profit has to stay in the account, unwithdrawn.

Endurance and EnhancedX let you enter the next cycle with the same 8% cushion you started with, even after a payout.

How to choose

FAQ

Q. What happens to the DD when I make a payout on Enhanced?

The moment you make your first payout, the max loss line locks to the starting balance (as stated explicitly by the official help center). On a $100K account, the breach line, which had been $90,000, rises to $100,000 and stays there permanently. Withdrawing all your profit brings your cushion to zero, so leave enough in the account with each payout to survive a loss.

Q. Is it safe to withdraw on Endurance and EnhancedX?

Both are explicitly stated by the official help center to "not rise or reset after a payout." On a $100K account, the breach line stays fixed at $92,000. EnhancedX requires withdrawing your full profit in one request, so your balance resets to the starting balance with each payout — but the 8% cushion remains.

Q. Which is better overall: the 2-step (Enhanced) or the 3-step (Endurance)?

If you want to keep running the account while making payouts, Endurance. Enhanced is easier to pass, but since Endurance is half the price, the cost per funded account works out to roughly the same. Once funded, Enhanced loses its cushion on the first payout, while Endurance keeps its 8% cushion.

Q. What's the split rate, and does it go up?

Express, Enhanced, EnhancedX, and Endurance are all a standard 80% (confirmed against the official help center in September 2026). The "95% Reward Share" add-on (+30% of the price) raises it to 95%.

Q. Can I use an EA?

All 4 plans run on MT5, and EAs are allowed in both evaluation and funded stages. Third-party EAs are allowed too, but on the condition that you customize the settings yourself rather than leaving defaults, don't use the same EA strategy across multiple accounts or multiple people, and don't use an EA designed specifically to pass the challenge. Also note: if the profit from trades closed in under 3 minutes reaches 30%+ of your total profit, it's treated as scalping. Note that the Instant series (Instant Funding / Instant Lite / Instant24) bans EAs entirely. On a funded account, total floating loss reaching 3% of the starting balance causes an instant fail — so be especially careful with EAs that average down or stack positions. See our in-depth review of EA/automated trading rules for more.

Related

• 🏢 Hantec Trader complete guide — all plans, rules, and prohibited practices
• 🔍 Plan comparison and search — compare all of Hantec's plans side by side

Sources: Hantec Trader Help — "Express (1 Step)," "Enhanced (2 Step)," "EnhancedX (2 Step Consistency)," "Endurance (3-step Challenge)" (updated August–September 2026)