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

Hong Kong

By Joshua Wood, LPC

Last updated on Apr 19, 2023

Summary: The approximate population of Hong Kong, Hong Kong is 7.4 million people. People often describe Hong Kong as a vibrant, cosmopolitan city with a unique blend of East and West. Expats love the city's diverse culture, excellent food, and convenient transportation. The weather in Hong Kong is generally mild and humid, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit (18-30 Celsius). The cost of living in Hong Kong is generally high, especially for expats. The average cost of a one bedroom apartment is around $2,500 USD per month, while a two bedroom apartment can cost up to $4,000 USD per month.

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What do I need to know about living in Hong Kong?

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

"Before retiring in Hong Kong, expats should be aware of the cost of living, which is generally higher than in other parts of the world. It is important to research the different types of visas available and the associated requirements for each. Expats should also be aware of the language barrier, as English is not widely spoken in Hong Kong. Additionally, expats should research the healthcare system and the availability of medical insurance. Finally, expats should familiarize themselves with the local culture and customs to ensure a smooth transition into their new home," wrote a member in Hong Kong.

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What do I need to know before moving to Hong Kong?

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

"As I said before, just think about your priorities. Make a list. For example, is a spacious apartment more important than having Starbuck's outside your door? Do you want to be near the beach or would you rather have a shorter commute to work? Each area in HK has it's own flavor and, like any other city, it's plusses and negatives. Just think about what's most important to you, discuss with your family (if applicable) and your real estate agent. There's such a variety here, you'll be likely to find something that will meet (most) of your needs. Once you are here, get involved with local expat organizations, the YWCA, etc. And there are also lots of charities that welcome volunteers. These are great ways to meet people and stay active," remarked one expat living in Hong Kong, Hong Kong.

"Before moving to Hong Kong, expats should be aware of the high cost of living. It is important to research the different neighborhoods and find one that best suits their needs. Expats should also be aware of the language barrier, as English is not widely spoken in Hong Kong. Additionally, expats should familiarize themselves with the local culture and customs, as well as the laws and regulations of the city. Finally, expats should make sure to obtain the necessary visas and permits before moving to Hong Kong," wrote one member in Hong Kong.

How do I find a place to live in Hong Kong?

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

"We used a relocation company/agent to help us find our first neighborhood and apartment. It was great - but full of other expats. We wish we would have lived in an area with more local culture. Newcomers will want to think about that - do they want more local culture or comforts from home?," remarked one expat living in Hong Kong, Hong Kong.

"Finding a place to live in Hong Kong can be a daunting task. It is important to research the different neighborhoods and districts to find the best fit for your lifestyle. You can start by looking at online listings such as Craigslist, Expat.com, and AsiaXPAT. Additionally, you can look for rental agencies that specialize in Hong Kong properties. These agencies can provide you with a list of available properties and help you find the best fit for your needs. Additionally, you can look for local newspapers and magazines that list rental properties. Finally, you can also ask friends and family who live in Hong Kong for advice and recommendations," wrote one member in Hong Kong.

What is a typical expat home or apartment like in Hong Kong?

"Expat homes and apartments in Hong Kong are typically modern and luxurious, with high-end appliances and furnishings. Many expat homes and apartments have spectacular views of the city skyline, and some even have access to private outdoor spaces. Expat homes and apartments often come with amenities such as swimming pools, gyms, and concierge services. Expats in Hong Kong also have access to a wide range of international schools, shopping malls, and restaurants," said one expat who made the move to Hong Kong.

"Our first apartment was a very nice, large (for HK) apartment in an expat neighborhood (MidLevels). Yes, I think most expats live in this area. The apartments in this area are generally Westernized (for example, they have ovens - many HK apartments do not!). I'd recommend the area to newcomers, then they can assess if they want a more walkable area with local culture (as we did). But we are happy that we started in MidLevels," explained one expat living in Hong Kong, Hong Kong.

What is the average cost of housing in Hong Kong?

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

"The cost of housing in Hong Kong is generally high, with prices varying depending on the location and type of property. On average, a one-bedroom apartment in the city centre can cost around HK$20,000 per month, while a three-bedroom apartment in the suburbs can cost around HK$15,000 per month. Prices for larger properties can be significantly higher," said one expat in Hong Kong.

"Housing costs are astronomically higher in HK than in the USA. I can't really say what the average cost is, as there is a large range depending on the neighborhood and size of the apartment. But it is much higher even than, for example, NYC. Most companies will subsidize housing, at least partially, even if you are a local hire," said one expat who made the move to Hong Kong.

"25.000 HKD/mth for 800 sqft in a 20 year old buliding in walking distance to subway (MTR) station in New Territories," explained one expat living in Hong Kong.

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How do I meet people in Hong Kong?

When we asked people living in Hong Kong about club and activities where newcomers can meet others, they responded:

"Expats in Hong Kong often join clubs and activities such as sports teams, language classes, and cultural events. Expats can also meet people through networking events, online forums, and social media groups. Additionally, many expats join local churches, volunteer organizations, and professional associations to meet people and build relationships," said one expat who made the move to Hong Kong.

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What should I bring when moving to Hong Kong?

People living in Hong Kong were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Hong Kong, it is important to pack items that will help you adjust to the climate and lifestyle. Bring comfortable clothing that is suitable for the hot and humid weather, such as light, breathable fabrics. Pack a few items of warm clothing for the cooler months. Bring a good pair of walking shoes, as Hong Kong is a very walkable city. Don’t forget to bring your passport, visa, and other important documents. It is also a good idea to bring a few items from home to make your new place feel more like home. Finally, make sure to bring any necessary medications and toiletries," explained one expat living in Hong Kong, Hong Kong.

"We had friends living here who advised us well on what to bring. We did bring way too much furniture though. HK apartments are generally smaller than apartments/houses in the USA and you won't need as much furniture. Plus, it's fun to have furniture custom-made here, so you will want to be able to have room for that! DO bring your beds and bed linens, though. Leave all of your appliances in the USA - you'll need a transformer to work them and it's not worth it," said one expat in Hong Kong.

"We actually brought our suitcases and rented furniture. It was easy, everything was new, and we even got to select fabrics and colors and sizes. Better, we were able to rent curtains (homes do not have them), televisions, and light fixtures (another bizarre element). There are 2 companies that rent - Indigo and Home Essentials. We chose Home Essentials as they were more flexible and lower priced for the same stuff," said one expat who made the move to Hong Kong.

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Where should I setup a bank account in Hong Kong?

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

"Before retiring in Hong Kong, expats should be aware of the cost of living, which is generally higher than in other parts of the world. It is important to research the different types of visas available and the associated requirements for each. Expats should also be aware of the language barrier, as English is not widely spoken in Hong Kong. Additionally, expats should research the healthcare system and the availability of medical insurance. Finally, expats should familiarize themselves with the local culture and customs to ensure a smooth transition into their new home," remarked one expat who made the move to Hong Kong.

Will I be able to find a job in Hong Kong?

When we asked people about industries and career opportunities in Hong Kong, they reponded:

"Foreigners in Hong Kong often work in a variety of industries, including finance, hospitality, retail, education, and technology. They may also work as English teachers, translators, or in other professional services. Additionally, many foreigners find employment in the creative industries, such as film, television, and music," wrote one member in Hong Kong.

What is life like in Hong Kong?

When we asked people living in Hong Kong what life is like and how people spend their time, they said:

"Living in Hong Kong as an expat or digital nomad can be an exciting and rewarding experience. The city is a vibrant and cosmopolitan hub, with a unique blend of East and West. Expats and digital nomads can enjoy the city's world-class infrastructure, excellent public transportation, and a wide range of cultural activities. The city is also home to a diverse range of international restaurants, bars, and nightlife. Expats and digital nomads can also take advantage of the city's low taxes and low cost of living. With its stunning skyline, stunning beaches, and vibrant culture, Hong Kong is an ideal destination for those looking for an exciting and rewarding lifestyle," remarked one expat who made the move to Hong Kong.

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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

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What do expats in Hong Kong appreciate most about the local culture?

"Expatriates in Hong Kong appreciate the city's vibrant energy and its unique blend of East and West. They also enjoy the city's diverse cuisine, which offers a variety of flavors from all over the world. Expats also appreciate the city's efficient public transportation system, which makes it easy to get around. Additionally, expats enjoy the city's rich cultural heritage, which includes traditional festivals, temples, and markets. Finally, expats appreciate the city's welcoming and friendly people, who are always willing to help out newcomers," said one expat in Hong Kong.

"people are friendly and polite most of the time. Hong Kong is very clean in most respects (not the ocean or the air though), and is very safe. It has excellent public transport and english signage, and is easy to explore. I do live on Hong Kong island which is expat friendly though, and I am sure this is why it sometimes gets called "Asia lite"," said one expat who made the move to Hong Kong.

What do expats find most challenging?

"Expats in Hong Kong often find the local culture to be quite different from their own, which can be challenging to adjust to. The fast-paced lifestyle and the high cost of living can be difficult to get used to. Additionally, the language barrier can be a challenge, as English is not widely spoken in Hong Kong. Furthermore, the cultural norms and expectations can be difficult to understand, as they are quite different from those of other countries. Finally, the lack of personal space and the crowdedness of the city can be overwhelming for expats," wrote a member in Hong Kong.

"I am not overly fond of cantonese food (except dim sum), but there are so many eating options here it is not a problem. The lack of environmental awareness amongst most Hong Kongers is worrying. The obsession with conspicuous wealth, big shiny cars, designer brands etc is a bit much for someone like me who lives in shorts and thongs (flip flops), and owns one handbag of unknown brand! Local kids are hard to make friends with as they seem to always be at tutoring of some sort. The local education system is fundamentally flawed and very stressful I imagine," commented one expat who made the move to Hong Kong.

Is there a lot of crime in Hong Kong?

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

"Hong Kong is generally considered to be a safe city, with low levels of crime. However, there have been reports of pickpocketing, theft, and other petty crimes in certain areas. The Hong Kong Police Force works hard to ensure the safety of citizens and visitors alike," remarked one expat who made the move to Hong Kong.

Is there a lot of diversity? Are people in Hong Kong accepting of differences?

"Yes, there is a lot of diversity in Hong Kong. The city is home to people from a variety of backgrounds, including Chinese, Indian, Filipino, and other ethnicities. People in Hong Kong are generally accepting of differences and celebrate the diversity of the city. There are many cultural festivals and events that celebrate the different cultures and backgrounds of the people living in Hong Kong," explained one expat living in Hong Kong, Hong Kong.

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Click connect to have our partner contact you via e-mail and/or phone.

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What are the schools in Hong Kong like?

"Hong Kong is home to some of the best international and bilingual schools in the world. The International School of Hong Kong (ISHK) is a leading international school in the city, offering a comprehensive curriculum from pre-school to secondary school. It is accredited by the Council of International Schools and the New England Association of Schools and Colleges, and offers a range of international qualifications, including the International Baccalaureate Diploma Programme. The school also offers a range of extra-curricular activities, such as sports, music, and drama. The French International School of Hong Kong (FIS) is another top international school in the city. It is accredited by the French Ministry of Education and offers a bilingual curriculum in French and English. The school also offers a range of extra-curricular activities, such as sports, music, and drama. The German Swiss International School (GSIS) is a leading bilingual school in Hong Kong, offering a bilingual curriculum in German and English. The school is accredited by the German Ministry of Education and offers a range of international qualifications, including the International Baccalaureate Diploma Programme. The school also offers a range of extra-curricular activities, such as sports, music, and drama. The Japanese International School of Hong Kong (JIS) is a top bilingual school in the city, offering a bilingual curriculum in Japanese and English. The school is accredited by the Japanese Ministry of Education and offers a range of international qualifications, including the International Baccalaureate Diploma Programme. The school also offers a range of extra-curricular activities, such as sports, music, and drama," said one expat in Hong Kong with children at .

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What are the pros and cons of living in Hong Kong?

Expats, digital nomads and retirees living in Hong Kong responded:

"Expats and digital nomads living in Hong Kong often like the city's vibrant culture, diverse food scene, and efficient public transportation system. They appreciate the ease of doing business, the availability of high-speed internet, and the city's status as a global financial hub. The proximity to other Asian destinations and the mix of Eastern and Western influences also make Hong Kong an attractive place to live. On the other hand, expats and digital nomads may dislike the high cost of living, particularly when it comes to housing, which can be both expensive and cramped. The city's pollution and humidity can also be a downside, as well as the language barrier, as not everyone speaks English. Additionally, the political situation and ongoing protests may cause concern for some expats and digital nomads living in Hong Kong," said one expat living in Hong Kong.

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Click connect to have our partner contact you via e-mail and/or phone.

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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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What type of social life can someone expect in Hong Kong?

When we asked expats and global nomads about their social experiences in Hong Kong, they replied:

"Expats, retirees, and digital nomads living in Hong Kong typically have a vibrant and diverse social life. They often engage in various social activities, such as networking events, language exchange meetups, and cultural experiences. Many expats and digital nomads join clubs and organizations to meet like-minded individuals and make new friends. They also enjoy exploring the city's bustling nightlife, dining at a wide range of international restaurants, and attending various cultural events and festivals. Additionally, they often take advantage of Hong Kong's proximity to other Asian destinations for weekend getaways and regional travel. Overall, the social life of expats, retirees, and digital nomads in Hong Kong is rich and varied, offering numerous opportunities for personal and professional growth," mentioned one expat inHong Kong.

"The social scene in Hong Kong is vibrant, diverse, and cosmopolitan, offering a mix of both traditional and modern experiences. The city is known for its lively nightlife, with a plethora of bars, clubs, and restaurants catering to various tastes and budgets. Lan Kwai Fong and Soho are popular areas for expats and locals alike to socialize and enjoy the city's bustling atmosphere. Hong Kong also has a thriving arts and culture scene, with numerous galleries, museums, and theaters showcasing local and international talent. The city hosts various cultural events and festivals throughout the year, such as the Hong Kong International Film Festival and the Hong Kong Arts Festival, which attract both local and international visitors. In addition to its urban attractions, Hong Kong offers numerous outdoor activities and natural attractions for those looking to escape the city's hustle and bustle. Hiking trails, beaches, and parks provide opportunities for socializing and enjoying the city's natural beauty. Hong Kong's diverse population, which includes a mix of locals, expats, and tourists, creates a multicultural social environment. People from different backgrounds and cultures come together to share their experiences and traditions, making Hong Kong a melting pot of customs and ideas. Overall, the social scene in Hong Kong is dynamic and offers a wide range of experiences for people of all interests and backgrounds," commented one expat living in Hong Kong, Hong Kong.

What advice to expats in Hong Kong have about housing?

"Expats in Hong Kong should research the different areas of the city to find the best fit for their lifestyle. It is important to consider the proximity to public transportation, the availability of amenities, and the cost of living in the area. It is also important to be aware of the different types of housing available, such as serviced apartments, private apartments, and villas. Additionally, expats should be aware of the different rental contracts and the associated costs, such as deposits, agency fees, and stamp duty. Finally, expats should be aware of the different laws and regulations regarding renting in Hong Kong," remarked one expat living in Hong Kong.

What are medical services in Hong Kong like?

When we asked expats and global nomads about the quality of medical care in Hong Kong, they replied:

"Medical services in Hong Kong are known for their high quality and efficiency. The city has a well-developed healthcare system, which includes both public and private sectors. Public hospitals and clinics are managed by the Hospital Authority, providing affordable and comprehensive services to residents. These facilities are equipped with modern technology and staffed by highly trained medical professionals. In addition to public healthcare, Hong Kong also has a thriving private healthcare sector, with numerous private hospitals and clinics offering a wide range of medical services. These private facilities often cater to patients seeking specialized treatments, shorter waiting times, and more personalized care. Many medical professionals in Hong Kong have received training from prestigious institutions around the world, ensuring a high standard of care. Hong Kong's healthcare system also includes traditional Chinese medicine, which is integrated into the overall medical services. This allows patients to choose between Western and traditional Chinese treatments, or even combine both approaches for a more holistic approach to healthcare. Pharmacies are widely available throughout the city, providing easy access to prescription and over-the-counter medications. In case of emergencies, Hong Kong has a well-coordinated ambulance service and emergency departments in public hospitals that are open 24/7. Overall, medical services in Hong Kong are reliable, efficient, and easily accessible, ensuring that residents and visitors can receive the care they need when they need it," said one expat living in Hong Kong.

Are healthcare and health insurance expensive in Hong Kong?

"Healthcare and health insurance in Hong Kong can be considered expensive, particularly for expatriates and those seeking private healthcare services. Public healthcare is more affordable, but it often comes with longer waiting times and less personalized care. Private healthcare facilities offer high-quality services and shorter waiting times, but the costs can be significantly higher. Health insurance is essential for those who want to access private healthcare, but premiums can be costly, especially for comprehensive coverage. Overall, the cost of healthcare and health insurance in Hong Kong can be a financial burden for many individuals and families," said one expat living in Hong Kong.

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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

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Is the cost of living in Hong Kong high?

We asked people about the cost of living in Hong Kong, they wrote:

"The cost of living in Hong Kong is generally high, with prices for goods and services being significantly higher than in many other parts of the world. Rent for a nice 1 bedroom apartment in Hong Kong can range from around $2,000 to $4,000 USD per month, while a nice 2 bedroom apartment can range from around $3,000 to $6,000 USD per month. Eating dinner at a moderately priced restaurant in Hong Kong can cost around $20 USD per person," commented one expat living in Hong Kong, Hong Kong.

What are the visa & residency requirements in Hong Kong?

"In order to visit Hong Kong, visitors must obtain a visa prior to their arrival. The visa application process requires applicants to submit a valid passport, a completed visa application form, a recent passport-sized photograph, and any other documents required by the Hong Kong Immigration Department. Depending on the purpose of the visit, additional documents may be required. In order to apply for residency in Hong Kong, applicants must submit a completed application form, a valid passport, a recent passport-sized photograph, and any other documents required by the Hong Kong Immigration Department. Depending on the purpose of the application, additional documents may be required. The application process may also require applicants to attend an interview with the Hong Kong Immigration Department," said an expat in Hong Kong.

Why do people move to Hong Kong?

When we asked people why foreigners move to Hong Kong, they responded:

"Hong Kong is an attractive destination for expats due to its vibrant culture, excellent infrastructure, and low taxes. The city is a major financial hub and offers a wide range of job opportunities. Additionally, the city is home to a diverse population, making it a great place to meet people from all over the world. The city also offers a high quality of life, with excellent public transportation, world-class healthcare, and a wide range of leisure activities. Finally, Hong Kong is a safe and secure city, making it an ideal place to live and work," said an expat in Hong Kong.

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.

Hong Kong

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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 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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