In addition to @gigabyte091, hereby the documentation:
https://help.mikrotik.com/docs/spaces/ROS/pages/224559120/WiFi#WiFi-Securitymulti-passphraseproperties
Alternatively you can use access-list to set VLAN ID (depending on the MAC address).
This is not in line with your requirements, I prefer it as my family can share their PSK with everyone and I’m still in control of which client has what VLAN ID.
This topic might give you insights: http://forum.mikrotik.com/t/7-13-wifi-capsman-access-list-to-assign-vlans-and-ft-issue/172199/11