How much does MM2H cost? Separate the commitments
An MM2H budget should separate committed capital from fees and ordinary living money. Read the questions, sources and programme guide.
The short answer
An MM2H budget should separate committed capital from fees and ordinary living money. The fixed deposit, residential purchase, participation fee, processing charges and provider fees are not interchangeable entries. There is no responsible universal all-in price for every household. Compare the chosen category, family composition, transaction timing and a written itemised proposal.
Why does a single headline cost mislead?
A headline may combine money that remains in a deposit, money used to buy a home and money paid for services. Those amounts have different purposes and different conditions. Calling the combined number an “application fee” hides the practical questions a household needs answered.
Start with the official category overview (external website) for selected programme commitments. Then build a separate working budget around the actual route and people involved. Keep every amount in its original currency until you make an explicit, dated conversion for your own comparison.
Selected published starting points
| Federal option | Fixed deposit | Residential minimum |
|---|---|---|
| Silver | USD150,000 | RM600,000 |
| Gold | USD500,000 | RM1,000,000 |
| Platinum | USD1,000,000 | RM2,000,000 |
| SEZ/SFZ | USD65,000 at ages 21–49; USD32,000 at ages 50+ | Applicable zone/state threshold |
These are selected commitments from the official overview, not a total package quote. They exclude the separate charges and household costs discussed below.
What belongs in the capital-commitment section?
Record the programme deposit and proposed residential purchase separately. For each, note the amount, timing, source of funds, any access or disposal condition, and who can explain the applicable instructions. Do not describe committed capital as readily available living money.
Also avoid assuming that an eventual permitted withdrawal can fund an earlier payment. If a release depends on a stage, purpose, evidence or approval, that dependency belongs in the cash-flow plan. Ask the responsible bank and programme channel how it operates for the case.
What belongs in the fees section?
List official participation and processing charges separately from professional services. Ask which amounts apply to the principal and which depend on the family. Identify pass-related or administrative charges and any third-party expenses that the proposal excludes.
For the operator’s own fees, request the legal contracting entity, written scope, payment schedule, cancellation terms and refund conditions. A low quote may cover a different scope from another quote. Compare inclusions before comparing totals.
What else might the household need to budget?
Keep ordinary housing, temporary accommodation, travel, moving, utilities, schooling where relevant, health arrangements and other living costs outside the programme-fee total. Use current quotes that reflect the household rather than importing a stranger’s monthly spending estimate.
Property acquisition can also involve expenses that need appropriate local advice. This article does not calculate those expenses or establish a personal tax or financing position. The purpose is to keep the questions visible so that a proposal does not look complete merely because it contains a large total.
How do you build a useful comparison sheet?
Use columns for item, purpose, currency, amount, due date, refundable or restricted status, source and unresolved question. Mark an estimate as an estimate. Leave an unknown blank or labelled unconfirmed rather than giving it a convenient value.
Our programme comparison helps identify headline category differences, while the programme guides put them in context. A useful budget is an inspectable record of commitments and timing, not a promise that a programme can be obtained for one universal package price.
Related questions readers ask
Is the fixed deposit a non-refundable application fee?
Do not group it with fees. It is a distinct programme commitment with its own conditions. Check its administration and release arrangements separately.
Can an operator quote be compared by price alone?
No. Compare the legal entity, service scope, exclusions, payment timing and refund terms as well as the total quoted.
Does the programme comparison show my whole moving budget?
No. It shows selected programme commitments. A household still needs current quotes and a separate plan for property, moving, living and other expenses.
Explore your programme options.
Read the programme guides and compare the four federal options to plan your next questions.
Explore MM2H programmes Compare the four federal programmesSources & further checking
- Official MM2H category overview (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
- Official MM2H requirements and regulations (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
- MOTAC English FAQs — OSC MM2H section (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
General editorial information, not immigration, legal, tax or financial advice. Suggest a correction.