Last update: Nov 2026

Cost of Living Comparison Between Hong Kong and Ludhiana

For one person, living is cheaper in Ludhiana: $476 a month against $3,050 in Hong Kong, rent and utilities included – about $30,900 less a year. Rent and utilities account for most of the difference.

147

Cost of Living Index in Hong Kong
Learn more

Hong Kong Living Index
23

Cost of Living Index in Ludhiana
Learn more

Ludhiana Living Index

Jump to prices

Hong Kong

🇭🇰 Hong Kong (China)

$3,050

/mo nomad

Ludhiana

🇮🇳 India

$476

/mo nomad

Monthly Cost of Living

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

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

A single person spends $3,050 per month in Hong Kong vs $476 in Ludhiana, rent included.

Hong Kong $3,050
Ludhiana $476

A couple spends around $4,786 per month in Hong Kong vs $765 in Ludhiana, rent included.

Hong Kong $4,786
Ludhiana $765

A family of three spends $6,522 per month in Hong Kong vs $1,055 in Ludhiana, rent included.

Hong Kong $6,522
Ludhiana $1,055

Hong Kong costs about 541% more than Ludhiana, and outside of rent the biggest gap is in groceries.

Hong Kong sits 126% above the global median, while Ludhiana is 65% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.37 HK$65.6

$3.48 ₹326

140.52%

Three-Course Dinner for Two, Mid-Range

$63.4 HK$497

$10.40 ₹976

509.42%

Fast Food Meal (McDonalds, etc)

$6.53 HK$51.2

$3.61 ₹339

80.89%

Cappuccino

$5.15 HK$40.32

$1.93 ₹181

166.84%

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

$1.38 HK$10.80

$0.37 ₹34.31

272.97%

Water (0.33 liter bottle)

$1.13 HK$8.86

$0.27 ₹25.59

318.52%

Local Beer (0.5 liter draught)

$7.73 HK$60.6

$1.62 ₹152

377.16%

Imported Beer (0.33 liter bottle)

$5.56 HK$43.61

$3.79 ₹356

46.70%

Milk (1 liter)

$2.94 HK$23.00

$0.75 ₹70.7

292.00%

White Bread (500g)

$2.41 HK$18.90

$0.51 ₹47.68

372.55%

Rice (white) (1kg)

$2.22 HK$17.41

$0.79 ₹74.5

181.01%

Eggs

$3.41 HK$26.72

$0.87 ₹82.0

291.95%

Local Cheese (1kg)

$23.18 HK$182

$3.91 ₹367

492.84%

Chicken Fillets (1kg)

$8.67 HK$68.0

$3.02 ₹283

187.09%

Beef Round Steak (1kg)

$17.90 HK$140

Apples (1kg)

$4.21 HK$33.01

$2.13 ₹200

97.65%

Banana (1kg)

$2.58 HK$20.19

$0.60 ₹56.6

330.00%

Oranges (1kg)

$4.68 HK$36.67

$0.82 ₹76.7

470.73%

Tomato (1kg)

$4.00 HK$31.32

$0.36 ₹33.65

1011.11%

Potato (1kg)

$3.19 HK$24.98

$0.29 ₹27.40

1000.00%

Onion (1kg)

$3.27 HK$25.60

$0.32 ₹30.29

921.88%

Lettuce (1 head)

$1.57 HK$12.28

$0.40 ₹37.52

292.50%

Water (1.5 liter bottle)

$1.71 HK$13.43

$0.35 ₹33.15

388.57%

Cigarettes 20 Pack (Marlboro, Camel)

$13.33 HK$105

$3.53 ₹332

277.62%

Wine (Bottle)

$15.56 HK$122

$12.78 ₹1,200

21.75%

Local Beer (0.5 liter bottle)

$2.02 HK$15.86

$1.77 ₹166

14.12%

Imported Beer (0.33 liter bottle)

$2.28 HK$17.83

$3.04 ₹286

-25.00%

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

$8.12 ₹762

One-way Ticket (Public Transport)

$1.23 HK$9.67

$0.56 ₹52.1

119.64%

Public Transport Monthly Pass (Regular Price)

$87.6 HK$686

$15.97 ₹1,500

448.40%

Taxi Start (Normal Tariff)

$3.76 HK$29.45

$1.56 ₹147

141.03%

Taxi (Normal Tariff) (1km)

$1.30 HK$10.19

$0.40 ₹37.99

225.00%

Taxi 1hour Waiting (Normal Tariff)

$15.93 HK$125

$2.13 ₹200

647.89%

Gasoline (1 liter)

$4.27 HK$33.48

$1.11 ₹104

284.68%

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

$45.0K HK$352.6K

$13.3K ₹1.2M

239.52%

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

$37.6K HK$294.7K

$22.5K ₹2.1M

66.80%

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

$237 HK$1,859

$54.2 ₹5,085

338.01%

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

$15.46 HK$121

$3.20 ₹301

383.13%

Internet (50+ Mbps, Unlimited Data)

$22.46 HK$176

$5.78 ₹543

288.58%

Gym Membership (Monthly)

$97.4 HK$763

$15.27 ₹1,434

537.98%

Tennis Court (1 Hour on Weekend)

$9.02 HK$70.7

$4.61 ₹433

95.66%

Cinema Ticket

$12.98 HK$102

$3.62 ₹340

258.56%

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

$1,302 HK$10.2K

$71.3 ₹6,699

1724.95%

International Primary School, 1 Child (Yearly)

$30.3K HK$237.2K

$1,852 ₹173.9K

1533.82%

Jeans (Levis 501 Or Similar)

$68.0 HK$533

$22.01 ₹2,066

208.81%

Summer Dress (H&M, Zara, etc)

$42.80 HK$335

$40.12 ₹3,767

6.68%

Sport Shoes (Adidas, Nike)

$81.3 HK$637

$70.2 ₹6,591

15.86%

Men's Leather Business Shoes

$121 HK$949

$36.30 ₹3,408

233.55%

1-bedroom Apartment, City Center (Monthly)

$2,385 HK$18.7K

$168 ₹15.8K

1315.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,794 HK$14.1K

$99.1 ₹9,308

1709.39%

3-bedroom Apartment, City Center (Monthly)

$5,695 HK$44.6K

$426 ₹40.0K

1236.15%

3-bedroom Apartment, Outside City Center (Monthly)

$3,786 HK$29.7K

$280 ₹26.3K

1253.77%

Buy Apartment in City Center (m2)

$28.8K HK$226.0K

$894 ₹83.9K

3126.45%

Buy Apartment Outside City Center (m2)

$18.9K HK$147.9K

$688 ₹64.6K

2641.68%

Average Monthly Net Salary (After Tax)

$3,194 HK$25.0K

$318 ₹29.8K

905.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.89

9.17

-57.58%

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

Last update for Hong Kong: November 2, 2026

Last update for Ludhiana: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.8K 58.8%

Ludhiana

$99 20.8% 94.5% $1.7K

Groceries & Markets

Hong Kong

$407 13.3%

Ludhiana

$113 23.8% 72.1% $293

Monthly Utilities & Internet

Hong Kong

$275 9%

Ludhiana

$63 13.3% 77% $212

Eating Out

Hong Kong

$208 6.8%

Ludhiana

$80 16.8% 61.6% $128

Clothing & Footwear

Hong Kong

$141 4.6%

Ludhiana

$76 16% 46.2% $65

Sport & Entertainment

Hong Kong

$123 4%

Ludhiana

$23 4.7% 81.7% $101

Getting Around

Hong Kong

$103 3.4%

Ludhiana

$22 4.6% 78.8% $81

Cost Breakdown

A central one-bedroom costs $2,385 in Hong Kong versus $168 in Ludhiana. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Hong Kong are about 10 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $63 in Hong Kong versus $10 in Ludhiana. Monthly groceries follow the same trend: $407 vs $113 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇭🇰 Hong Kong

🇮🇳 Ludhiana

🕒 Local time

03:44 3:44 AM

01:14 1:14 AM

2 h 30 min behind Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

2,232,000

💱 Currency

Hong Kong Dollar HKD $

Indian Rupee INR ₹

📈 Exchange rate

1 HKD = 0.128 USD

1 HKD = 0.114 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.53 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 = 8.76 HKD (1 HKD = 0.114 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 93.9 INR (100 INR = 1.06 USD). 1 EUR = 105 INR (1,000 INR = 9.53 EUR).

USD to HKD in detail →

On the map

Lowest

Highest

Between locations

Hong Kong Ludhiana 3,910 km ≈ 5 h nonstop flight

From you

Hong Kong
Ludhiana

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 Ludhiana: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,050 in Hong Kong, $476 in Ludhiana – Ludhiana comes out roughly 84% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,576 per month in Hong Kong and $714 in Ludhiana. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ludhiana, especially for central apartments: a one-bedroom in the center costs $168 there versus $2,385 in Hong Kong.

A mid-range dinner for two costs $63 in Hong Kong and $10 in Ludhiana. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $3,050 in Hong Kong and $476 in Ludhiana. That makes Ludhiana about 84% cheaper.

A $1,200 monthly budget goes further in Ludhiana, where all-in costs run around $476, than in Hong Kong at $3,050. In Ludhiana it covers expenses comfortably, while in Hong Kong it requires careful planning or may not stretch far enough.

Families tend to lean toward Ludhiana – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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