Federal vs Sabah MM2H Silver Categories: Which MM2H Program is Right for You?

Malaysia’s Malaysia My Second Home (MM2H) programme has attracted global attention as one of the most flexible residency options in Asia. Among its offerings are the Federal MM2H Silver Category and the Sabah MM2H Silver Category, both tailored to suit different preferences and lifestyles. Additionally, many applicants consider the Sarawak MM2H as an alternative for those focused on Sabah and Sarawak. Let’s break down the key differences and benefits of these programs so you can make an informed decision.

What is MM2H?

MM2H (Malaysia My Second Home) is a long-term residency programme designed for foreigners seeking to make Malaysia their second home. Introduced by Malaysia’s Ministry of Tourism, the programme offers a residency visa that allows participants to live, invest, and even bring their families to Malaysia.

While the MM2H programme has been revamped recently, the Federal MM2H program, Sabah MM2H program, and Sarawak’s MM2H remain attractive options for expatriates.

Federal MM2H Silver Category Overview

The Federal MM2H program, available for applicants looking to reside in West Malaysia, offers a flexible and simplified approach to residency. This version of MM2H caters to individuals aged 25 and above from countries with diplomatic ties to Malaysia.

Key Features:

• Fixed Deposit: Applicants must place a fixed deposit of USD 150,000. Up to 50% can be withdrawn for specific purposes, such as purchasing property in Malaysia or medical treatment in Sarawak or West Malaysia.
• Residency Visa: The program offers a 5-year MM2H pass, renewable upon providing updated documentation.
• Property Purchase: Participants can buy properties in Malaysia valued at RM 600,000 or above, with a 10-year resale restriction.
• Minimum Stay: Requires 90 cumulative days annually in Malaysia.

Best For:
This programme suits younger applicants and families who prioritize flexibility and straightforward financial requirements.

Sabah MM2H Silver Category Overview

The Sabah MM2H program, overseen by the Sabah Ministry of Tourism, focuses on promoting tourism and local development in Sabah. The program has stricter financial criteria but offers unique advantages for those seeking to make Sabah their second home.

Key Features:

• Fixed Deposit: Requires RM 500,000 deposited into a state-managed trust fund. After two years, up to 40% of this deposit can be withdrawn for education, medical expenses, or purchasing property in Sabah.
• Offshore Income: Applicants must provide proof of monthly offshore income of RM 10,000 (single) or RM 15,000 (with dependents).
• Residency Visa: Similar to Federal MM2H, this program offers a 5+5 year renewable visa.
• Property in Sabah: Applicants are restricted to high-rise property purchases with a minimum value of RM 600,000.

Best For:
The Sabah MM2H scheme is ideal for individuals looking to reside in Sabah for shorter periods (only 30 cumulative days per year required) and those keen on business investment opportunities.

Comparing Federal vs Sabah MM2H Silver Categories: Key Differences Explained

Eligibility and Age Requirements

• Federal MM2H: Open to applicants aged 25 and above, making it more accessible to younger individuals.
• Sabah MM2H: Applicants must be at least 30 years old.

Financial Requirements

• Federal MM2H: Requires a fixed deposit of USD 150,000, with no offshore income proof needed.
• Sabah MM2H: Demands RM 500,000 in a trust fund and proof of monthly offshore income.

Residency Visa

• Both programs offer renewable 5-year MM2H passes.
• In the event of the principal’s death, the pass is transferable to a spouse for the remainder of its validity.

Minimum Stay Requirements

• Federal MM2H: 90 days per year in Malaysia.
• Sabah MM2H: Only 30 days annually in Sabah.

Property Purchase

• Federal MM2H: Properties valued at RM 600,000 or above, with a 10-year resale restriction.
• Sabah MM2H: High-rise properties valued at RM 600,000, with resale permitted after five years.

How Does Sarawak’s MM2H Compare?

Sarawak, Malaysia’s largest state, offers its own version of the MM2H program tailored for those considering living in Sarawak. The Sarawak MM2H programme is managed separately and has distinct terms:

• Fixed Deposit: In 2024, the fixed deposit stood at RM150,000 for individuals and RM300,000 for couples. In 2025, the Enhanced program has raised the fixed deposit requirement to RM500,000 for the main applicant.
• Minimum Stay: Both the 2024 and 2025 programs require a stay of at least 30 days annually.
• Residency Visa: Both 2024 and 2025 programs offer a 5+5-year visitor pass with a Multiple Entry Visa (MEV).

Best For:
This program is well-suited for retirees and individuals looking to enjoy Sarawak’s natural beauty and arts and culture. For full and latest Sarawak MM2H requirement refer here.

Property Purchase Across MM2H Programs

Buying property in Malaysia is a common goal for many MM2H holders. Here’s a summary of the property purchase rules:

• Federal MM2H: Allows the purchase of residential houses worth RM 600,000 or more in West Malaysia.
• Sabah MM2H: Limits purchases to high-rise properties in Sabah, with similar price thresholds.
• Sarawak MM2H: In the Enhanced 2025 program, property purchase remains optional for those aged 30 and above, and the minimum prices are retained

Regardless of the program, MM2H applicants must adhere to local regulations and consult licensed MM2H agents for assistance.

Why Choose Malaysia’s MM2H Program in 2024?

Malaysia’s revamped MM2H 2024 programs are designed to attract diverse expatriates, from young professionals to retirees. The programs offer long-term residency benefits, access to Malaysia’s world-class healthcare, and the ability to explore the country’s unique blend of modernity and tradition.

Whether you’re considering living in Sabah, Sarawak, or West Malaysia, the MM2H residency visa allows you to enjoy Malaysia’s welcoming lifestyle and cultural diversity.

Frequently Asked Questions

Can I apply for both Sabah and Sarawak MM2H programs?

No, applicants must choose one program, as the Sabah and Sarawak MM2H schemes are managed independently.

Do MM2H holders pay taxes?

Tax exemptions apply to funds brought into Malaysia as fixed deposits. However, participants should consult financial advisors for detailed tax guidance.

How can I apply for MM2H in 2024?

To start your application, work with a licensed MM2H agent and prepare the required documents. Each program has its own terms and conditions.

Final Thoughts

Choosing between the Federal MM2H Silver Category, Sabah MM2H, or Sarawak MM2H programme depends on your financial capacity, lifestyle preferences, and residency goals. Each program has unique benefits, from Sabah’s inclusivity for business investors to Sarawak’s focus on retirees.