This AHB is mainly for the higher income Malays e.g our politicians and tycoons. U know why i say this? Just look at ASB. How many average Malays have maxed out their accounts? Most of them dont even use ASB much. Only a small majority don't save in ASB because of the Shariah issue. The main reason for the others is because saving money is not in their nature. So if they havent even utilised the ASB with higher returns, whats the point of AHB??? In reality its merely for the richer Malays to invest more and make more money. In the end, the average Malays are still left out and the income gap widens. Truly 1 Malaysia!