我的第二家园计划

我的第二家园计划

Why Making Malaysia Your Second Home is Effortless with HSBC’s International Banking

Why Making Malaysia Your Second Home is Effortless with HSBC’s International Banking

Find a new home in Malaysia

The Malaysia My Second Home (MM2H) program offers long-term residency for global citizens looking to settle in a thriving and welcoming destination.

Choose Malaysia's best international bank

Our global banking capabilities and strong international network have earned us the title of Malaysia’s Best International Bank, along with other accolades – making us the ideal partner for a seamless relocation experience to Malaysia.

  • Best Wealth Manager - The Asset Triple A Insurance Awards 2024
  • Digital Bank of the Year - The Asset Triple A Digital Awards (2021-2025)
  • Best Digital Wealth Management Experience - The Asset Triple A Digital Awards (2023-2025)

Start your Malaysian adventure with HSBC Premier

Enjoy international banking and worldwide Premier status

  • Open your HSBC Premier Everyday Global Account (EGA) to save, transfer and spend in 11 major currencies all in 1 account
  • See all your local and overseas HSBC accounts on one screen
  • Transfer funds instantly and seamlessly with zero fees via online banking or the HSBC Malaysia app
  • Enjoy seamless fund transfers to over 50 countries, with no fees through Global Money Transfers
  • Get worldwide Premier status recognition for you and your family
     

Get access to Relationship Managers and wealth experts

  • Experienced Relationship Managers, supported by a team of investment, insurance and mortgage specialists, can help with your financial planning
  • Access an extensive suite of wealth solutions across unit trusts, structured investment and bonds
  • Get regular market outlooks and insights to meet your investment and wealth needs

Exclusive Premier offerings for all your needs in Malaysia, including a flexible home loan

  • Grow your savings safely and securely with a Time Deposit in US dollars (USD) or Malaysian ringgit (MYR)
  • Enjoy preferential interest rates as a new HSBC Premier customer
  • With our fully flexible HSBC HomeSmart home loan, you can save on interest and shorten your loan term by leveraging you savings
  • Withdraw excess funds from your home loan at any time without charges
 
The Benefits of Living in Malaysia Under the MM2H Programme

The Benefits of Living in Malaysia Under the MM2H Programme

Malaysia is one of the most attractive destinations in Asia for those seeking a comfortable, affordable, and well-balanced lifestyle. Through the Malaysia My Second Home (MM2H) programme, foreigners can enjoy long-term residency while experiencing the country’s vibrant culture, modern infrastructure, and welcoming environment.

Here are some of the key benefits of living in Malaysia under MM2H:


🌴 1. High Quality of Life at a Lower Cost

Malaysia offers an excellent standard of living with a relatively low cost compared to many Western and Asian countries. Housing, transportation, dining, and daily expenses are generally affordable, allowing MM2H participants to enjoy a comfortable lifestyle without financial pressure.

You can choose from modern city living, seaside homes, or peaceful suburban areas — all at reasonable prices.


🌍 2. Multicultural and Friendly Society

Malaysia is a multicultural nation where Malays, Chinese, Indians and expatriates live harmoniously together. English is widely spoken, making communication easy for most foreigners.

Newcomers often find Malaysians:

✔ Friendly
✔ Helpful
✔ Welcoming toward expatriates

This creates a smooth and comfortable transition into local life.


🏥 3. World-Class Healthcare

Malaysia is well known for its high-quality yet affordable healthcare system.

🩺 Modern hospitals
🩺 Internationally trained doctors
🩺 Advanced medical facilities

Many MM2H participants choose Malaysia for retirement or long-term stay because they can access excellent medical care without extremely high costs.


🎓 4. Access to International Education

Families with children will find a wide range of:

📖 International schools
📖 Private schools
📖 International universities

These institutions offer globally recognized curricula such as:

✔ IGCSE
✔ IB
✔ Australian
✔ British syllabus

This makes Malaysia a great choice for families who value education.


✈️ 5. Strategic Location in Asia

Malaysia is located in the heart of Southeast Asia, making travel extremely convenient.

You can easily fly to:

🇸🇬 Singapore
🇹🇭 Thailand
🇻🇳 Vietnam
🇯🇵 Japan
🇪🇺 Europe
🇦🇺 Australia

Kuala Lumpur International Airport is one of the region’s major aviation hubs, perfect for business or leisure travellers.


🏡 6. Comfortable Living Environment

Malaysia enjoys a tropical climate, lush greenery, modern infrastructure and well-developed cities such as:

🏙 Kuala Lumpur
🌊 Penang
🌴 Johor Bahru
🌄 Sabah & Sarawak

Residents benefit from:

✔ Modern shopping malls
✔ International restaurants
✔ Nature & beaches
✔ Vibrant city life

All within easy reach.


🛡 7. Safe and Stable Country

Malaysia is considered one of the safer countries in the region. Political stability, reliable infrastructure and a peaceful social environment make it an ideal place for long-term living and retirement planning.


🍜 8. A Food Lover’s Paradise

Malaysia is famous for its incredible food culture. Whether you enjoy:

🍛 Malay cuisine
🥢 Chinese dishes
🍛 Indian flavours
🍝 Western dining

—you will always find something delicious. Eating out is also affordable, allowing residents to enjoy culinary variety daily.


💳 9. Long-Term Residency Advantage

MM2H participants enjoy the benefit of staying in Malaysia for an extended period with peace of mind. This provides flexibility for:

🏠 Living
📚 Studying
🌴 Retiring
✈ Travelling in and out freely

without giving up citizenship.


💫 Conclusion

Living in Malaysia under the MM2H programme offers the perfect balance of comfort, affordability, safety and cultural richness. Whether you are seeking a retirement destination, a new home for your family, or a base in Asia, Malaysia provides a warm and welcoming environment to build your second home.

If you would like guidance on choosing the right MM2H option, we are here to help you every step of the way.

申請 MM2H 前必讀

申請 MM2H 前必讀

馬來西亞第二家園計畫(Malaysia My Second Home,簡稱 MM2H)是一項長期居留計畫,讓外國公民能夠在馬來西亞舒適生活、投資、退休或陪伴家人。無論你是打算退休移居、為孩子尋找教育環境,還是希望拓展海外生活選擇,MM2H 都是一個值得考慮的方案。

在申請之前,先了解條件、流程與費用,能幫助你更好地規劃,避免走冤枉路。

一、MM2H 計畫適合哪些人?

MM2H 特別適合以下族群:

✔ 計畫退休海外居住者
✔ 希望孩子在國際教育體系就讀的家庭
✔ 追求低生活成本與高生活品質人士
✔ 希望增加海外居留身份的投資者
✔ 喜歡溫暖氣候與多元文化生活的人

馬來西亞擁有完善醫療、友善英語環境、美食文化與自然景觀,因此多年來深受國際人士歡迎。


二、申請 MM2H 的主要條件

不同級別的 MM2H 方案,會有不同的 年齡、財務與定存要求
一般來說,申請人需符合:

🔹 良好財務狀況
🔹 無犯罪紀錄
🔹 通過醫療檢查
🔹 購買醫療保險

主要核心條件包括:

  • 固定存款(Fixed Deposit)

  • 財務證明

  • 居留要求

(不同等級的 MM2H 方案會有所差異,建議根據個人情況選擇最合適的方案。)


三、MM2H 申請流程步驟

整個流程大致如下:

Step 1:資格評估

先確認是否符合申請條件,包括財務及背景審查。

Step 2:準備文件

通常包括:

📌 護照影本
📌 財務證明
📌 銀行存款證明
📌 收入證明
📌 無犯罪紀錄
📌 醫療報告
📌 個人履歷
📌 婚姻或子女證明(如適用)

(文件需英文化並公證)

Step 3:提交申請

可委託認可代理處理申請程序。

Step 4:審批階段

審批時間視情況而定。

Step 5:抵達馬來西亞完成手續

包括:

✔ 開立定存帳戶
✔ 體檢
✔ 獲取簽證貼簽

完成後,即可合法長期居留馬來西亞。


四、MM2H 相關費用整理

申請 MM2H 會涉及以下費用:

💠 申請與處理費
💠 政府參與費(Participation Fee)
💠 醫療保險
💠 體檢費
💠 固定存款(可部分提領作指定用途)
💠 代理服務費(如選擇代理協助)

實際費用依申請階層及家庭成員人數而異,建議在申請前做好財務規劃。


五、MM2H 的主要優勢

🌟 長期合法居留
🌟 家人可一同申請
🌟 國際教育資源
🌟 高品質醫療
🌟 生活成本相對親民
🌟 安全友善社會
🌟 英語普及便利

對於希望享受安穩生活的國際居民而言,是非常理想的選擇。


六、申請前建議

在提交申請前,建議:

✔ 先確認自身財務與居留計畫
✔ 評估哪一級別方案最適合
✔ 檢查護照與文件有效期
✔ 諮詢專業顧問減少風險

清晰規劃,能讓整個申請過程更加順利。