MM2H Cost Calculator

Three buckets. Programme capital: a fixed deposit of USD 150,000 to 1,000,000 depending on tier (up to half can later fund the property, subject to MOTAC's timing conditions), plus a one-time participation fee of RM 1,000–200,000 by tier, RM 5,000 processing per principal applicant, and a MOTAC-regulated agent fee of RM 40,000–70,000. Every application must go through a licensed agent. Buying costs: roughly 9–11% of the purchase price upfront, dominated by the flat 8% foreign stamp duty. Exit tax: RPGT of 30% on gains if you sell within five years, 10% from year six.

Yes. MOTAC requires every MM2H application to be submitted through a licensed agent, there is no direct route. The regulated professional fee covers the principal applicant and typically bundles application handling, a medical checkup, first-year medical insurance, and visa fees. Dependents are charged separately and those charges vary by agency, so get the inclusions in writing before you sign.

Yes. MM2H grants long-stay residency but does not change stamp duty treatment. Only citizens and PRs qualify for the tiered 1–4% scale. On a RM 1,500,000 purchase, MOT duty alone is RM 120,000.

The Silver tier names RM 600,000 and Gold names RM 1,000,000, but Kuala Lumpur separately requires foreign buyers to spend at least RM 1,000,000 per residential title. The KL floor wins, so a KL purchase starts at RM 1,000,000 regardless of tier. Platinum requires RM 2,000,000. The qualifying property must be held for 10 years.

Partly. After approval, and subject to MOTAC's timing conditions, up to 50% of the fixed deposit can be withdrawn for approved spending, including the qualifying property, children's education, or medical costs in Malaysia. The remainder stays placed for the life of the pass, so treat the full deposit as locked capital when you plan the purchase timeline.

Two problems at once, with one exception. The qualifying purchase is a condition of the programme, so disposing of it inside the 10-year hold puts the pass at risk. MOTAC does allow an early sale if you replace the unit with one of equal or higher value, so upgrading is permitted, cashing out is not. A sale within five years also lands in the 30% RPGT band for foreign sellers, against 10% from year six.

Gold, for most. Its RM 1,000,000 property minimum lines up with the KL foreign-buyer floor, the 15-year pass outlasts a typical investment cycle, and half the USD 500,000 deposit is potentially recoverable against the purchase. Silver suits buyers for whom the deposit is the binding constraint, though its 5-year renewable pass adds renewal risk to a 10-year property hold. Platinum is for buyers who need the right to work or run a Malaysian business.

No. The rules requiring a minimum monthly offshore income and a minimum in liquid assets were removed in the 2024 revision. The current programme is built around the fixed deposit and the property purchase.

No, and this is one of the most common misunderstandings about the programme. Malaysian tax residency is decided purely by a day-count test, broadly, 182 days or more physically present in Malaysia in a calendar year, not by which visa you hold. You can hold an MM2H pass for years and remain a non-resident for tax purposes if you don't meet the day count, in which case Malaysian-sourced income including rental income is taxed at a flat 30% rather than the progressive resident rates. Plan your time in the country with the tax outcome in mind, not just the visa requirement (MM2H itself only requires a minimum physical stay for applicants under 50).

Yes. Applicants and dependents under 60 must hold Malaysia-approved medical insurance before the visa is endorsed, and this is normally arranged as part of the licensed agent fee for the first year. For applicants 60 and above, adequate medical coverage is still required but is assessed case by case, depending on age, health, and what insurers will actually offer. There is no fixed upper age limit for MM2H itself, but an older applicant should confirm insurability before paying any deposit, since a declined policy can stall the whole application.

No, and the programme does not convert into either. MM2H is a long-stay pass, not an immigration pathway. Malaysian permanent residency requires a separate application under standard immigration rules, and citizenship by naturalisation requires roughly 10 of the preceding 12 years of continuous lawful residence, with MM2H time not automatically counting toward it. Treat MM2H as what it is, renewable long-stay access paired with a property purchase, rather than a first step toward a Malaysian passport.