Last update: Nov 2026

Cost of Living Comparison Between Hong Kong and Dharwad

For one person, living is cheaper in Dharwad: $374 a month against $3,050 in Hong Kong, rent and utilities included – about $32,100 less a year. Rent and utilities account for most of the difference.

147

Cost of Living Index in Hong Kong
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Hong Kong Living Index
18

Cost of Living Index in Dharwad
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Dharwad Living Index

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Hong Kong

🇭🇰 Hong Kong (China)

$3,050

/mo nomad

Dharwad

🇮🇳 India

$374

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Dharwad

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 Dharwad actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,050 in Hong Kong versus $374 in Dharwad.

Hong Kong $3,050
Dharwad $374

Estimated couple costs with rent: $4,786 in Hong Kong versus $592 in Dharwad.

Hong Kong $4,786
Dharwad $592

Monthly costs for a family of three with rent: $6,522 in Hong Kong versus $809 in Dharwad.

Hong Kong $6,522
Dharwad $809

Living in Hong Kong is roughly 715% more expensive than in Dharwad, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Hong Kong is 126% above, Dharwad is 72% below.

Meal at Budget Restaurant

$8.37 HK$65.6

$3.31 ₹313

152.87%

Three-Course Dinner for Two, Mid-Range

$63.4 HK$497

$7.24 ₹684

775.41%

Fast Food Meal (McDonalds, etc)

$6.53 HK$51.2

$3.76 ₹355

73.67%

Cappuccino

$5.15 HK$40.33

$1.64 ₹155

214.02%

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

$1.38 HK$10.80

$0.38 ₹35.84

263.16%

Water (0.33 liter bottle)

$1.13 HK$8.86

$0.10 ₹9.65

1030.00%

Local Beer (0.5 liter draught)

$7.73 HK$60.6

$1.55 ₹146

398.71%

Imported Beer (0.33 liter bottle)

$5.56 HK$43.62

$2.93 ₹277

89.76%

Milk (1 liter)

$2.94 HK$23.01

$0.68 ₹64.3

332.35%

White Bread (500g)

$2.41 HK$18.91

$0.44 ₹41.66

447.73%

Rice (white) (1kg)

$2.22 HK$17.42

$0.69 ₹64.9

221.74%

Eggs

$3.41 HK$26.73

$0.84 ₹79.7

305.95%

Local Cheese (1kg)

$23.18 HK$182

$4.64 ₹438

399.57%

Chicken Fillets (1kg)

$8.67 HK$68.0

$2.92 ₹276

196.92%

Beef Round Steak (1kg)

$17.90 HK$140

Apples (1kg)

$4.21 HK$33.02

$1.87 ₹177

125.13%

Banana (1kg)

$2.58 HK$20.19

$0.63 ₹59.3

309.52%

Oranges (1kg)

$4.68 HK$36.68

$0.94 ₹88.9

397.87%

Tomato (1kg)

$4.00 HK$31.33

$0.45 ₹42.55

788.89%

Potato (1kg)

$3.19 HK$24.98

$0.35 ₹33.52

811.43%

Onion (1kg)

$3.27 HK$25.60

$0.38 ₹35.44

760.53%

Lettuce (1 head)

$1.57 HK$12.29

$0.47 ₹44.11

234.04%

Water (1.5 liter bottle)

$1.71 HK$13.44

$0.31 ₹29.58

451.61%

Cigarettes 20 Pack (Marlboro, Camel)

$13.33 HK$105

$4.99 ₹472

167.13%

Wine (Bottle)

$15.56 HK$122

$7.48 ₹706

108.02%

Local Beer (0.5 liter bottle)

$2.02 HK$15.87

$1.66 ₹157

21.69%

Imported Beer (0.33 liter bottle)

$2.28 HK$17.83

$2.74 ₹258

-16.79%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$5.06 ₹478

One-way Ticket (Public Transport)

$1.23 HK$9.67

$0.21 ₹19.76

485.71%

Public Transport Monthly Pass (Regular Price)

$87.6 HK$686

$7.05 ₹666

1142.27%

Taxi Start (Normal Tariff)

$3.76 HK$29.46

$0.80 ₹75.8

370.00%

Taxi (Normal Tariff) (1km)

$1.30 HK$10.19

$0.27 ₹25.67

381.48%

Taxi 1hour Waiting (Normal Tariff)

$15.93 HK$125

$1.60 ₹151

895.62%

Gasoline (1 liter)

$4.27 HK$33.48

$1.13 ₹106

277.88%

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

$45.0K HK$352.7K

$11.4K ₹1.1M

295.88%

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

$37.6K HK$294.8K

$19.6K ₹1.9M

91.99%

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

$237 HK$1,859

$34.36 ₹3,246

590.28%

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

$15.46 HK$121

$3.17 ₹300

387.70%

Internet (50+ Mbps, Unlimited Data)

$22.46 HK$176

$5.62 ₹531

299.64%

Gym Membership (Monthly)

$97.4 HK$764

$13.98 ₹1,321

596.85%

Tennis Court (1 Hour on Weekend)

$9.02 HK$70.7

$6.46 ₹611

39.63%

Cinema Ticket

$12.98 HK$102

$2.87 ₹271

352.26%

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

$1,302 HK$10.2K

$45.89 ₹4,335

2737.05%

International Primary School, 1 Child (Yearly)

$30.3K HK$237.2K

$1,414 ₹133.6K

2040.10%

Jeans (Levis 501 Or Similar)

$68.0 HK$533

$21.93 ₹2,072

209.94%

Summer Dress (H&M, Zara, etc)

$42.80 HK$335

$23.56 ₹2,226

81.66%

Sport Shoes (Adidas, Nike)

$81.3 HK$637

$39.27 ₹3,710

107.08%

Men's Leather Business Shoes

$121 HK$949

$28.39 ₹2,682

326.49%

1-bedroom Apartment, City Center (Monthly)

$2,385 HK$18.7K

$119 ₹11.3K

1899.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,794 HK$14.1K

$76.5 ₹7,229

2244.03%

3-bedroom Apartment, City Center (Monthly)

$5,695 HK$44.6K

$263 ₹24.9K

2062.08%

3-bedroom Apartment, Outside City Center (Monthly)

$3,786 HK$29.7K

$185 ₹17.5K

1949.38%

Buy Apartment in City Center (m2)

$28.8K HK$226.0K

$932 ₹88.1K

2992.93%

Buy Apartment Outside City Center (m2)

$18.9K HK$147.9K

$536 ₹50.6K

3420.77%

Average Monthly Net Salary (After Tax)

$3,194 HK$25.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.89

8.86

-56.09%

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

Last update for Hong Kong: November 2, 2026

Last update for Dharwad: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.8K 58.8%

Dharwad

$77 20.4% 95.7% $1.7K

Groceries & Markets

Hong Kong

$407 13.3%

Dharwad

$101 27% 75.1% $305

Monthly Utilities & Internet

Hong Kong

$275 9%

Dharwad

$43 11.5% 84.3% $232

Eating Out

Hong Kong

$208 6.8%

Dharwad

$73 19.5% 64.9% $135

Clothing & Footwear

Hong Kong

$141 4.6%

Dharwad

$51 13.6% 63.9% $90

Sport & Entertainment

Hong Kong

$123 4%

Dharwad

$20 5.3% 84% $104

Getting Around

Hong Kong

$103 3.4%

Dharwad

$10 2.7% 90.2% $93

Cost Breakdown

A one-bedroom apartment in the center runs $2,385 in Hong Kong and $119 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $63 in Hong Kong vs $7 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $407 vs $101 per month, with Dharwad cheaper across the board.

Good to know

🇭🇰 Hong Kong

🇮🇳 Dharwad

🕒 Local time

14:50 2:50 PM

12:20 12:20 PM

2 h 30 min behind Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

100,000

💱 Currency

Hong Kong Dollar HKD $

Indian Rupee INR ₹

📈 Exchange rate

1 HKD = 0.128 USD

1 HKD = 0.114 EUR

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

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

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of November 6, 2026: 1 USD = 7.84 HKD (1 HKD = 0.128 USD). 1 EUR = 8.8 HKD (1 HKD = 0.114 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 94.47 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to HKD in detail →

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Between locations

Hong Kong Dharwad 4,180 km ≈ 6 h nonstop flight

From you

Hong Kong
Dharwad

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 Dharwad: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $3,050 in Hong Kong and $374 in Dharwad, so Dharwad is about 88% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $4,576 in Hong Kong and $562 in Dharwad to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $2,385 in Hong Kong versus $119 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $3,050 per month in Hong Kong versus $374 in Dharwad – Dharwad is about 88% cheaper, which adds up to real savings over time.

A monthly transit pass in Dharwad runs roughly 92% less than in Hong Kong. The price difference matters if you commute daily and watch your budget.

At $374 in Dharwad versus $3,050 in Hong Kong, a $1,200 budget is realistic in Dharwad but tight or insufficient in Hong Kong. The gap between the two cities makes Dharwad the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Hong Kong and Dharwad are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Dharwad gentler on the wallet – expenses run 88% less than in Hong Kong. Beyond cost, consider language, visa policies, and how big the international community is in each city.