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Clearwater Bay, Hong Kong: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Clearwater Bay | Expat Exchange
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Clearwater Bay, Hong Kong

By Joshua Wood, LPC

Last updated on Nov 17, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Clearwater Bay, Hong Kong: Cost of living, Finding a home, Meeting People and more.

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Universal Tax Professionals
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What do I need to know before moving to Clearwater Bay?

When we asked people what advice they would give someone preparing to move to Clearwater Bay, they said:

"Clearwater Bay is a popular residential area for expats in Hong Kong, known for its beautiful beaches, hiking trails, and relaxed lifestyle. It is located in the New Territories, which is a more rural and less crowded part of Hong Kong. The cost of living in Clearwater Bay can be quite high, with housing being the most significant expense. Most expats live in private houses, townhouses, or low-rise apartments, many of which offer stunning sea views. Public transportation in Clearwater Bay is reliable and efficient, with regular bus and minibus services connecting the area to other parts of Hong Kong. However, many expats choose to drive, and parking spaces are generally available. The area is home to several international schools, making it a popular choice for families. These schools often have long waiting lists, so it's advisable to apply as early as possible. While Clearwater Bay has a few local shops and restaurants, it doesn't have the same variety or number of amenities as more urban areas of Hong Kong. However, larger shopping centers are just a short drive away. The area is known for its outdoor activities, including hiking, golfing, and water sports. The Clearwater Bay Country Park and Clearwater Bay Golf & Country Club are popular spots for recreation. While English is widely spoken in Hong Kong, learning some basic Cantonese phrases can be helpful. Healthcare in Hong Kong is of a high standard, but it can be expensive. It's recommended to have comprehensive health insurance. Hong Kong has a high level of safety compared to other major cities, but it's still important to take standard precautions to protect yourself and your belongings. Lastly, Hong Kong's climate is subtropical, leading to hot and humid summers and mild, dry winters. Typhoons can occur between May and November, so it's important to be prepared for these weather events," wrote one member in Clearwater Bay.

How do I find a place to live in Clearwater Bay?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Clearwater Bay involves several steps. First, you need to determine your budget. This will help you narrow down your options and make your search more efficient. Next, you should research the different neighborhoods in Clearwater Bay. Some areas may be more residential, while others may be closer to shops and restaurants. Consider your lifestyle and preferences when choosing a neighborhood. Once you have a general idea of where you want to live, you can start looking for available properties. There are several online real estate platforms that you can use, such as Squarefoot, 28Hse, and Spacious. These websites allow you to filter properties based on location, price, size, and other features. You can also hire a real estate agent to help you with your search. An agent can provide you with insider knowledge about the market, negotiate prices on your behalf, and handle paperwork. When you find a property that you're interested in, arrange a viewing. This will give you a chance to inspect the property in person and ask any questions you may have. Finally, once you've found a place that meets your needs and fits your budget, you can make an offer. If your offer is accepted, you'll need to sign a lease and pay a deposit. Remember to read the lease carefully before signing. It should include details about the rent, deposit, lease term, and any other conditions or responsibilities. If you're not comfortable with the terms, don't hesitate to negotiate or seek legal advice. Finding a place to live in Clearwater Bay, Hong Kong can be a complex process, but with careful planning and research, you can find a home that's right for you," remarked one expat living in Clearwater Bay, Hong Kong.

What is a typical expat home or apartment like in Clearwater Bay?

"A typical expat home in Clearwater Bay, is often a spacious, multi-story house or apartment with a modern design. These homes usually have large windows that allow for plenty of natural light and offer stunning views of the surrounding bay and mountains. The living areas are typically open-plan, with a seamless flow between the kitchen, dining, and living room areas. The kitchens are usually fully equipped with modern appliances and ample storage space. Bedrooms are generously sized, often with built-in wardrobes and en-suite bathrooms. The master suite often features a walk-in closet and a luxurious bathroom with a bathtub and separate shower. Outdoor space is a common feature in Clearwater Bay homes, with many properties boasting private gardens, terraces, or balconies. Some homes even have private swimming pools or access to shared community facilities like a gym, clubhouse, or playground. Despite being relatively secluded compared to the bustling city center, these homes are usually within close proximity to international schools, making them ideal for families. They are also typically close to local amenities like shops, restaurants, and public transportation links. In terms of interior design, many expat homes in Clearwater Bay feature a mix of Western and Asian influences, with modern furniture and fixtures alongside traditional Chinese elements. High-speed internet and air conditioning are standard features, given Hong Kong's fast-paced lifestyle and humid climate. Overall, expat homes in Clearwater Bay offer a tranquil and luxurious living environment, combining the natural beauty of the area with all the comforts of modern living," wrote a member in Clearwater Bay.

What is the average cost of housing in Clearwater Bay?

If you are thinking about moving to Clearwater Bay, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Clearwater Bay can vary greatly depending on the type and size of the property. For instance, a luxury villa can cost significantly more than a standard apartment. However, on average, housing in Clearwater Bay is considered to be quite expensive, with prices often reaching into the millions in Hong Kong dollars. It's important to note that these prices can fluctuate based on market conditions and other factors," said one expat in Clearwater Bay.

Where should I setup a bank account in Clearwater Bay?

We asked expats in Clearwater Bay what banks they use and there advice about banking. They advised:

"Clearwater Bay is a popular destination for expats retiring in Hong Kong due to its beautiful beaches, hiking trails, and golf courses. Before making the move, there are several things to consider. Firstly, the cost of living in Clearwater Bay is relatively high, with housing being the most significant expense. Expats should be prepared for this and plan their retirement funds accordingly. Secondly, while English is widely spoken in Hong Kong, Cantonese is the primary language in Clearwater Bay. It might be beneficial to learn some basic phrases to help with daily interactions. Thirdly, healthcare in Hong Kong is of a high standard, but it can be expensive. Expats should ensure they have comprehensive health insurance to cover any potential medical costs. Fourthly, Hong Kong has a subtropical climate, with hot, humid summers and mild, dry winters. Expats from cooler climates may need time to adjust to the heat and humidity. Fifthly, Hong Kong's tax system is relatively straightforward, with low personal income tax rates. However, it's advisable to seek professional advice to understand any potential tax obligations in both Hong Kong and your home country. Lastly, while Clearwater Bay is less bustling than central Hong Kong, it's still a busy and vibrant place. Expats should be prepared for a lifestyle change and be open to embracing a new culture and way of life," said one expat in Clearwater Bay.

What do expats in Clearwater Bay appreciate most about the local culture?

"Expats in Clearwater Bay often appreciate the local culture's emphasis on family and community. They enjoy the vibrant festivals and traditions that are celebrated throughout the year, which provide a deep insight into the rich cultural heritage of the region. The local cuisine is another aspect that expats greatly appreciate, with a wide variety of dishes to explore. The locals' respect for nature and the environment is also admired, as seen in the well-maintained parks and public spaces. Expats also appreciate the blend of modernity and tradition in Clearwater Bay, where skyscrapers coexist with ancient temples. The local culture's emphasis on health and wellness, often seen in the popularity of practices like Tai Chi in public parks, is another aspect that expats in Clearwater Bay value. Lastly, the warm hospitality and friendliness of the local people make expats feel welcomed and at home," said one expat in Clearwater Bay.

What do expats find most challenging?

"Expats in Clearwater Bay often find the language barrier to be the most challenging aspect of the local culture, as Cantonese is the primary language spoken and not everyone speaks English. They also struggle with the high cost of living, particularly in terms of housing and schooling. The densely populated environment can be overwhelming for those used to more spacious living conditions. The fast-paced lifestyle and work culture in Hong Kong can also be stressful for expats. Additionally, understanding and adapting to local customs and etiquette, such as gift-giving traditions and dining manners, can be difficult for newcomers. Lastly, the humid subtropical climate of Hong Kong can be uncomfortable for those who are not used to such weather conditions," wrote one member in Clearwater Bay.

Is there a lot of crime in Clearwater Bay?

We asked people if there is a lot of crime. They answered:

"Clearwater Bay, is generally considered a safe and peaceful residential area. It is known for its low crime rate, which contributes to its reputation as a desirable place to live. The area is well-policed, and serious crimes are relatively rare. Petty crimes such as pickpocketing or minor theft may occur, as they do in any urban area, but they are not common. The residents of Clearwater Bay typically feel safe and secure in their community. The local police force is proactive in maintaining safety and order, and they respond quickly to any reported incidents. Overall, crime is not a significant concern for most people living in or visiting Clearwater Bay," wrote a member in Clearwater Bay.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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