MM2H Tier Guide: Ultimate Silver vs Gold vs Platinum 2026
Not all MM2H tiers are created equal — and choosing the wrong one can cost you tens of thousands of euros in unnecessary fees, renewal friction, or locked-up capital. This financial analysis models the true cost of Silver, Gold, and Platinum over their full visa durations, calculates the break-even points between tiers, and provides a five-question framework to identify the optimal tier for your profile.
The results are counterintuitive. Gold’s 15-year visa is cheaper in cash terms than renewing Silver three times over the same period. Platinum’s financial case over Gold, however, is weak unless your investable asset base exceeds €3 million or you require Malaysia-based work authorisation. The SEZ tier offers the lowest entry threshold but carries structural risks that make it unsuitable for most Western HNW investors.
Whether you hold €300k or €3M in liquid assets, this guide gives you the numbers — and the framework — to make the right MM2H tier decision before you apply.