How much does MM2H cost in total?

For a single Silver applicant, the upfront cash is roughly USD 325,000 at 4.085 ringgit to the dollar. That covers the USD 150,000 fixed deposit, a RM600,000 property, 8% foreign stamp duty, 1% legal costs, the RM1,000 participating fee, the RM5,000 processing fee and an assumed RM55,000 agent fee. Gold comes to roughly USD 782,000 and Platinum to roughly USD 1.6 million on the same assumptions. Health insurance is extra.

Which MM2H category has the lowest fixed deposit?

The SEZ/SFZ category: USD 32,000 for applicants aged 50 and over, and USD 65,000 for ages 21 to 49. It ties you to a property in a special economic or financial zone, at the price set for that development. Among the three main tiers, Silver is lowest at USD 150,000.

Do I have to buy property under MM2H?

Yes, for every federal tier. MOTAC sets minimums of RM600,000 for Silver, RM1,000,000 for Gold and RM2,000,000 for Platinum. The property cannot be sold for 10 years, though you can upgrade to a more expensive one. Sarawak's S-MM2H has no compulsory purchase.

How long must I stay in Malaysia each year on MM2H?

Applicants aged 50 and over have no minimum stay. Applicants aged 25 to 49 need 90 days a year in Malaysia, which the main applicant, spouse and dependents can share. S-MM2H requires 30 days a year in Sarawak.

What is the difference between MM2H and S-MM2H?

S-MM2H is a separate programme run by the Sarawak state government. Its terms from 1 January 2025 include a minimum age of 30, a RM500,000 fixed deposit with a bank in Sarawak, 30 days a year in Sarawak and a 5-year pass renewable once. It has no compulsory property purchase.

MM2H Cost and Eligibility Calculator

Which MM2H tier do you qualify for, and what does it really cost?

The fixed deposit is only part of the bill. Add the compulsory property, 8% foreign stamp duty, government fees and an agent, and the cash you commit is often double the headline deposit. Enter your details to see every route side by side, including Sarawak's S-MM2H.

By Bratu Capital Last reviewed: 27 October 2026

Short answer: A single Silver applicant commits roughly USD 325,000 upfront: the USD 150,000 fixed deposit, a RM600,000 property, RM48,000 in 8% foreign stamp duty, about RM67,000 in legal, government and agent fees, at 4.085 ringgit to the dollar. Gold comes to roughly USD 782,000 and Platinum to roughly USD 1.6 million. Everyone aged 25 or over qualifies for Silver, Gold and Platinum on age. The SEZ/SFZ category and Sarawak's S-MM2H cost less but come with their own conditions. Figures follow MOTAC's table, last updated 10 February 2026.

Your details

The defaults reflect a single applicant buying at the tier minimum. Change any figure to match your plans.

Main applicant's age

Dependents (spouse, children, parents)

Liquid assets you could use (USD, optional)

Property price you plan to buy (RM, optional)

Exchange rate (ringgit per US dollar)

Adjust cost assumptions

Agent fee, federal MM2H (RM)

Agent fee, S-MM2H (RM)

Legal and closing costs (% of property)

Health insurance, year one (USD, household)

Deposit interest rate (% a year)

Return the money could earn invested (% a year)

Agent fees vary widely by firm and family size. The defaults are mid-points of the ranges in our MM2H agent fee breakdown. Medical check-ups and visa fees are small and left out.

Enter the main applicant's age and an exchange rate.

Where The Figures Come From

The rules behind each number

Federal MM2H tiers

Silver needs a USD 150,000 fixed deposit and a RM600,000 property. Gold needs USD 500,000 and RM1,000,000. Platinum needs USD 1,000,000 and RM2,000,000. The minimum age is 25. Participating fees run from RM1,000 to RM200,000, and the processing fee is RM5,000 plus RM2,500 per dependent.

Source: MOTAC MM2H category overview, last updated 10 February 2026

SEZ/SFZ and Sarawak

SEZ/SFZ deposits are USD 32,000 from age 50 and USD 65,000 from age 21 to 49, with property at the price set for the zone's development. Sarawak's S-MM2H needs a RM500,000 deposit with a Sarawak bank, a minimum age of 30 and 30 days a year in Sarawak.

Sources: MOTAC category overview; InvestSarawak, S-MM2H terms from 1 January 2025

8% foreign stamp duty

From 1 January 2026, non-citizens without permanent residence pay a flat 8% stamp duty on residential property transfers, up from 4%. MM2H holders get no exemption. A 50% remission applies to qualifying purchases in the Forest City SFZ, which this calculator does not apply.

Source: KPMG Malaysia, Budget 2026 stamp duty

Get the expat financial planning checklist

The structural questions every expat should settle: tax residency, pensions, fund structure and estate. One page, free.

Common Questions

MM2H cost and eligibility FAQ

MOTAC's current category pages for Silver, Gold and Platinum set a fixed deposit and a property purchase. They do not list a monthly offshore income test. Older guides quoting a RM10,000 monthly income figure describe a previous version of the programme. S-MM2H publishes its own income and savings tests, and the versions in circulation differ, so check them with Sarawak's Ministry of Tourism, Creative Industry and Performing Arts.

Up to 50% can be withdrawn after approval, for a property purchase, education, medical costs or tourism in Malaysia. The other half stays in place for the life of the pass. Our guide to MM2H fixed deposit strategy covers what to do with the money you can reach.

Not for 10 years. MOTAC allows an upgrade to a more expensive residence, but not a sale. Treat the property as capital you will not reach for a decade. Our guide to MM2H property purchase rules covers state minimums and financing.

From age 50 there is no minimum stay. From 25 to 49, the household needs 90 days a year in Malaysia, shared between the main applicant, spouse and dependents. S-MM2H asks for 30 days a year in Sarawak.

MOTAC's table states there is no tax on foreign funds and income, or on fixed deposit profit, for participants. Your home country may still tax some of that income under its own rules and its treaty with Malaysia. Our guide to MM2H tax implications works through the common cases.

No. It applies MOTAC's published requirements and the inputs you give it. Agent fees, legal costs, insurance and exchange rates vary, and MOTAC can change the rules. Confirm current terms with MOTAC or Sarawak before you commit money.

Before You Lock Up The Capital

Choose the structure first. Then choose the tier.

MM2H can tie up hundreds of thousands of dollars for 10 years or more. Decide where your pensions and investments will sit, and which country will tax them, before the deposit goes in. A planning session maps that out with you.

Book an MM2H planning call

30 minutes. No commitment. Video call.

Which MM2H tier do you qualify for, and what does it really cost?

The rules behind each number

Federal MM2H tiers

SEZ/SFZ and Sarawak

8% foreign stamp duty

MM2H cost and eligibility FAQ

Choose the structure first. Then choose the tier.

Continue exploring

MM2H Requirements 2027

MM2H vs Sarawak S-MM2H

Which MM2H Tier Is Right for You?

Tax Residency Day Counter