Stupidity: Hans keeps a major part of his plan secret from his own team: that the electromagnetic lock will be disabled if the FBI shuts down power to the building. The mercenaries hired as muscle don't need to know the minutiae of the plan, but it seems ludicrous that Theo wasn't told. Theo states on more than one occasion that he can't proceed past a certain point and that he hopes Hans has a plan for the final lock. Evidently, Hans was keeping this information secret simply to amuse himself, which makes little sense considering how much planning went into the heist.
Suggested correction: Or because he simply doesn't trust anyone with that kind of knowledge. He neither trusts them or cares about them, it's all him.
So he trusts that Theo would be on board with all the murder and mayhem, open all the other locks, be in a tactical lookout position when the police try to breach, and drive the getaway vehicle. But he doesn't trust Theo enough to tell him the last lock will open when the power goes out?
It's not about trust; Hans needs Theo to do what he is there for and that is all you mention up to the final lock. He has a plan for the final lock and so there's no need to discuss it with the team, since it won't be any of them responsible.
The more people that know the plan the more chances of someone talking. Especially when they are hired mercenaries.
Theo was already on board with taking hostages and committing murder. Him knowing that the power needed to be shut off to open the last lock doesn't appear to be particularly important information you would need to keep from someone to keep them from talking.
If he's the only one that knows the final step to get the money, then at least up until that moment he is absolutely indispensable to the plan and ensures no-one would double-cross him. In any case I'm not sure being more cautious than necessary really qualifies as "stupidity."