Last update: Oct 2026

Cost of Living Comparison Between Hong Kong and Belmont, NSW

For one person, living is cheaper in Belmont, NSW: $2,598 a month against $2,984 in Hong Kong, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Hong Kong outweigh lower spending on other living expenses.

144

Cost of Living Index in Hong Kong
Learn more

Hong Kong Living Index
121

Cost of Living Index in Belmont, NSW
Learn more

Belmont, NSW Living Index

Jump to prices

Hong Kong

🇭🇰 Hong Kong (China)

$2,984

/mo nomad

Belmont, NSW

🇦🇺 Australia

$2,598

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Belmont, NSW

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Hong Kong and in Belmont, NSW actually costs, broken down by who's living it.

A single person spends $2,984 per month in Hong Kong vs $2,598 in Belmont, NSW, rent included.

Hong Kong $2,984
Belmont, NSW $2,598

A couple spends around $4,584 per month in Hong Kong vs $3,661 in Belmont, NSW, rent included.

Hong Kong $4,584
Belmont, NSW $3,661

A family of three spends $6,183 per month in Hong Kong vs $4,724 in Belmont, NSW, rent included.

Hong Kong $6,183
Belmont, NSW $4,724

Hong Kong costs about 15% more than Belmont, NSW, and outside of rent the biggest gap is in eating out.

Both Hong Kong and Belmont, NSW sit above the global median – Hong Kong by 121%, Belmont, NSW by 92%.

Meal at Budget Restaurant

$7.75 HK$60.8

$15.72 A$22.52

-50.70%

Three-Course Dinner for Two, Mid-Range

$64.7 HK$508

$91.8 A$131

-29.51%

Fast Food Meal (McDonalds, etc)

$6.18 HK$48.51

$10.21 A$14.62

-39.47%

Cappuccino

$5.08 HK$39.85

$4.26 A$6.10

19.25%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.31 HK$10.31

$3.03 A$4.34

-56.77%

Water (0.33 liter bottle)

$1.09 HK$8.56

$2.06 A$2.96

-47.09%

Local Beer (0.5 liter draught)

$7.47 HK$58.6

$7.16 A$10.26

4.33%

Imported Beer (0.33 liter bottle)

$6.50 HK$51.0

$8.17 A$11.70

-20.44%

Milk (1 liter)

$2.89 HK$22.71

$1.61 A$2.31

79.50%

White Bread (500g)

$2.31 HK$18.14

$2.44 A$3.50

-5.33%

Rice (white) (1kg)

$2.13 HK$16.71

$2.36 A$3.38

-9.75%

Eggs

$3.52 HK$27.64

$4.59 A$6.58

-23.31%

Local Cheese (1kg)

$24.72 HK$194

$9.04 A$12.95

173.45%

Chicken Fillets (1kg)

$8.52 HK$66.9

$7.93 A$11.36

7.44%

Beef Round Steak (1kg)

$18.00 HK$141

$16.13 A$23.11

11.59%

Apples (1kg)

$4.18 HK$32.79

$3.99 A$5.71

4.76%

Banana (1kg)

$2.68 HK$21.07

$3.16 A$4.52

-15.19%

Oranges (1kg)

$4.49 HK$35.22

$3.38 A$4.84

32.84%

Tomato (1kg)

$4.03 HK$31.66

$4.04 A$5.79

-0.25%

Potato (1kg)

$3.12 HK$24.51

$2.73 A$3.91

14.29%

Onion (1kg)

$3.15 HK$24.72

$2.63 A$3.76

19.77%

Lettuce (1 head)

$1.62 HK$12.74

$2.11 A$3.02

-23.22%

Water (1.5 liter bottle)

$1.74 HK$13.66

$1.73 A$2.47

0.58%

Cigarettes 20 Pack (Marlboro, Camel)

$13.50 HK$106

$47.61 A$68.2

-71.64%

Wine (Bottle)

$16.54 HK$130

$13.96 A$20.00

18.48%

Local Beer (0.5 liter bottle)

$1.94 HK$15.19

$4.93 A$7.06

-60.65%

Imported Beer (0.33 liter bottle)

$2.18 HK$17.11

$4.55 A$6.52

-52.09%

One-way Ticket (Public Transport)

$1.41 HK$11.04

$2.74 A$3.92

-48.54%

Public Transport Monthly Pass (Regular Price)

$88.6 HK$696

$91.9 A$132

-3.56%

Taxi Start (Normal Tariff)

$3.69 HK$28.94

$3.94 A$5.64

-6.35%

Taxi (Normal Tariff) (1km)

$1.32 HK$10.36

$1.38 A$1.98

-4.35%

Taxi 1hour Waiting (Normal Tariff)

$15.77 HK$124

$39.34 A$56.4

-59.91%

Gasoline (1 liter)

$4.03 HK$31.65

$1.37 A$1.97

194.16%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$44.7K HK$350.5K

$30.5K A$43.7K

46.56%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$37.8K HK$296.5K

$25.6K A$36.6K

47.76%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$250 HK$1,959

$184 A$264

35.66%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$15.60 HK$122

$30.55 A$43.77

-48.94%

Internet (50+ Mbps, Unlimited Data)

$21.77 HK$171

$49.90 A$71.5

-56.37%

Gym Membership (Monthly)

$94.2 HK$739

$59.7 A$85.5

57.79%

Tennis Court (1 Hour on Weekend)

$9.29 HK$72.9

$18.28 A$26.19

-49.18%

Cinema Ticket

$13.91 HK$109

$12.64 A$18.10

10.05%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,162 HK$9,122

$2,188 A$3,135

-46.89%

International Primary School, 1 Child (Yearly)

$21.9K HK$171.6K

$18.9K A$27.1K

15.68%

Jeans (Levis 501 Or Similar)

$68.0 HK$534

$82.2 A$118

-17.33%

Summer Dress (H&M, Zara, etc)

$41.91 HK$329

$61.2 A$87.6

-31.49%

Sport Shoes (Adidas, Nike)

$79.7 HK$626

$115 A$164

-30.50%

Men's Leather Business Shoes

$122 HK$956

$126 A$180

-3.33%

1-bedroom Apartment, City Center (Monthly)

$2,241 HK$17.6K

$1,571 A$2,250

42.67%

1-bedroom Apartment, Outside City Center (Monthly)

$1,718 HK$13.5K

$1,322 A$1,893

30.01%

3-bedroom Apartment, City Center (Monthly)

$5,041 HK$39.6K

$2,144 A$3,072

135.10%

3-bedroom Apartment, Outside City Center (Monthly)

$3,435 HK$27.0K

$1,791 A$2,565

91.82%

Buy Apartment in City Center (m2)

$29.2K HK$229.0K

$5,488 A$7,862

431.67%

Buy Apartment Outside City Center (m2)

$17.6K HK$137.9K

$4,808 A$6,887

265.46%

Average Monthly Net Salary (After Tax)

$3,271 HK$25.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.91

5.84

-33.05%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Hong Kong: October 10, 2026

Last update for Belmont, NSW: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Hong Kong

$1.7K 57.6%

Belmont, NSW

$1.3K 50.9% 23.1% $397

Groceries & Markets

Hong Kong

$411 13.8%

Belmont, NSW

$360 13.9% 12.3% $50

Monthly Utilities & Internet

Hong Kong

$287 9.6%

Belmont, NSW

$264 10.2% 7.9% $23

Eating Out

Hong Kong

$201 6.8%

Belmont, NSW

$280 10.8% 39% $79

Clothing & Footwear

Hong Kong

$140 4.7%

Belmont, NSW

$173 6.7% 23.4% $33

Sport & Entertainment

Hong Kong

$122 4.1%

Belmont, NSW

$85 3.3% 30.4% $37

Getting Around

Hong Kong

$105 3.5%

Belmont, NSW

$114 4.4% 8.8% $9.2

Cost Breakdown

A central one-bedroom costs $2,241 in Hong Kong versus $1,571 in Belmont, NSW. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $65.0 in Hong Kong versus $92.0 in Belmont, NSW. Groceries tell a different story – $411 in Hong Kong vs $360 in Belmont, NSW – so Belmont, NSW wins on supermarket bills even if dining out costs more.

Good to know

🇭🇰 Hong Kong

🇦🇺 Belmont, NSW

🕒 Local time

01:13 1:13 AM

03:13 3:13 AM

2 h ahead of Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

3,648

💱 Currency

Hong Kong Dollar HKD $

Australian Dollar AUD $

📈 Exchange rate

1 HKD = 0.127 USD

1 HKD = 0.114 EUR

1 AUD = 0.698 USD

1 AUD = 0.625 EUR

Exchange rates and currency converter

AUD, USD, EUR to HKD – Hong Kong Dollar Converter

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of October 13, 2026: 1 USD = 7.85 HKD (1 HKD = 0.127 USD). 1 EUR = 8.76 HKD (1 HKD = 0.114 EUR).

Australian Dollar exchange rates as of October 13, 2026: 1 USD = 1.43 AUD (1 AUD = 0.698 USD). 1 EUR = 1.6 AUD (1 AUD = 0.625 EUR).

USD to HKD in detail →

On the map

Lowest

Highest

Between locations

Hong Kong Belmont, NSW 6,940 km ≈ 9 h nonstop flight

From you

Hong Kong
Belmont, NSW

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Hong Kong vs Belmont, NSW: Cost of Living - Frequently Asked Questions

Hong Kong costs about 15% more than Belmont, NSW, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,476 per month in Hong Kong and $3,897 in Belmont, NSW. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Belmont, NSW, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 4% less in Belmont, NSW. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,162 per month in Hong Kong and $2,188 in Belmont, NSW. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,984 in Hong Kong and $2,598 in Belmont, NSW. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Belmont, NSW costs $2,598 versus $2,984 in Hong Kong. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Belmont, NSW. If higher salaries, better infrastructure, or specific career opportunities are the priority, Hong Kong makes more sense. Both are solid long-term options with distinct trade-offs.