Last update: Oct 2026

Cost of Living Comparison Between Hong Kong and Nago, Okinawa

For one person, living is cheaper in Nago, Okinawa: $1,231 a month against $3,005 in Hong Kong, rent and utilities included – about $21,300 less a year. Rent and utilities account for most of the difference.

145

Cost of Living Index in Hong Kong
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Hong Kong Living Index
60

Cost of Living Index in Nago, Okinawa
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Nago, Okinawa Living Index

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Hong Kong

🇭🇰 Hong Kong (China)

$3,005

/mo nomad

Nago, Okinawa

🇯🇵 Japan

$1,231

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Nago, Okinawa

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

A single person spends $3,005 per month in Hong Kong vs $1,231 in Nago, Okinawa, rent included.

Hong Kong $3,005
Nago, Okinawa $1,231

A couple spends around $4,643 per month in Hong Kong vs $1,923 in Nago, Okinawa, rent included.

Hong Kong $4,643
Nago, Okinawa $1,923

A family of three spends $6,281 per month in Hong Kong vs $2,614 in Nago, Okinawa, rent included.

Hong Kong $6,281
Nago, Okinawa $2,614

Hong Kong costs about 144% more than Nago, Okinawa, and outside of rent the biggest gap is in groceries.

Hong Kong sits 122% above the global median, while Nago, Okinawa is 9% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.80 HK$61.2

$6.82 ¥1,077

14.37%

Three-Course Dinner for Two, Mid-Range

$64.7 HK$508

$35.35 ¥5,586

83.08%

Fast Food Meal (McDonalds, etc)

$6.24 HK$48.97

$5.68 ¥898

9.86%

Cappuccino

$5.01 HK$39.34

$3.03 ¥479

65.35%

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

$1.29 HK$10.12

$1.10 ¥173

17.27%

Water (0.33 liter bottle)

$1.11 HK$8.74

$0.76 ¥121

46.05%

Local Beer (0.5 liter draught)

$7.77 HK$61.0

$2.10 ¥332

270.00%

Imported Beer (0.33 liter bottle)

$6.41 HK$50.3

$3.05 ¥482

110.16%

Milk (1 liter)

$2.90 HK$22.79

$1.52 ¥239

90.79%

White Bread (500g)

$2.33 HK$18.29

$1.64 ¥259

42.07%

Rice (white) (1kg)

$2.23 HK$17.51

$4.67 ¥738

-52.25%

Eggs

$3.45 HK$27.04

$2.28 ¥361

51.32%

Local Cheese (1kg)

$24.96 HK$196

$10.13 ¥1,601

146.40%

Chicken Fillets (1kg)

$8.79 HK$69.0

$6.15 ¥971

42.93%

Beef Round Steak (1kg)

$17.71 HK$139

$15.49 ¥2,448

14.33%

Apples (1kg)

$4.15 HK$32.59

$5.36 ¥847

-22.57%

Banana (1kg)

$2.63 HK$20.62

$2.55 ¥402

3.14%

Oranges (1kg)

$4.54 HK$35.65

$4.13 ¥652

9.93%

Tomato (1kg)

$4.09 HK$32.08

$4.53 ¥716

-9.71%

Potato (1kg)

$3.22 HK$25.25

$3.24 ¥511

-0.62%

Onion (1kg)

$3.26 HK$25.56

$2.56 ¥404

27.34%

Lettuce (1 head)

$1.65 HK$12.94

$1.38 ¥217

19.57%

Water (1.5 liter bottle)

$1.74 HK$13.62

$0.88 ¥140

97.73%

Cigarettes 20 Pack (Marlboro, Camel)

$13.45 HK$106

$4.26 ¥674

215.73%

Wine (Bottle)

$15.16 HK$119

$6.50 ¥1,027

133.23%

Local Beer (0.5 liter bottle)

$1.97 HK$15.44

$1.91 ¥302

3.14%

Imported Beer (0.33 liter bottle)

$2.22 HK$17.42

$2.37 ¥375

-6.33%

One-way Ticket (Public Transport)

$1.28 HK$10.04

$1.58 ¥250

-18.99%

Public Transport Monthly Pass (Regular Price)

$90.1 HK$707

$56.0 ¥8,840

61.05%

Taxi Start (Normal Tariff)

$3.67 HK$28.84

$3.43 ¥542

7.00%

Taxi (Normal Tariff) (1km)

$1.35 HK$10.60

$2.87 ¥454

-52.96%

Taxi 1hour Waiting (Normal Tariff)

$16.21 HK$127

$21.07 ¥3,329

-23.07%

Gasoline (1 liter)

$4.20 HK$32.94

$1.23 ¥194

241.46%

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

$44.9K HK$352.2K

$23.5K ¥3.7M

91.01%

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

$36.8K HK$288.9K

$16.9K ¥2.7M

118.40%

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

$238 HK$1,865

$139 ¥21.9K

71.33%

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

$15.70 HK$123

$27.18 ¥4,294

-42.24%

Internet (50+ Mbps, Unlimited Data)

$21.91 HK$172

$34.51 ¥5,452

-36.51%

Gym Membership (Monthly)

$91.1 HK$715

$57.1 ¥9,012

59.75%

Tennis Court (1 Hour on Weekend)

$9.14 HK$71.8

$13.97 ¥2,207

-34.57%

Cinema Ticket

$12.96 HK$102

$13.04 ¥2,061

-0.61%

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

$1,172 HK$9,201

$285 ¥45.0K

311.86%

International Primary School, 1 Child (Yearly)

$22.2K HK$174.2K

$13.5K ¥2.1M

64.05%

Jeans (Levis 501 Or Similar)

$67.9 HK$533

$43.95 ¥6,944

54.56%

Summer Dress (H&M, Zara, etc)

$43.57 HK$342

$28.96 ¥4,575

50.45%

Sport Shoes (Adidas, Nike)

$83.1 HK$652

$59.0 ¥9,328

40.70%

Men's Leather Business Shoes

$123 HK$963

$92.2 ¥14.6K

33.08%

1-bedroom Apartment, City Center (Monthly)

$2,255 HK$17.7K

$461 ¥72.8K

389.12%

1-bedroom Apartment, Outside City Center (Monthly)

$1,752 HK$13.7K

$328 ¥51.9K

433.54%

3-bedroom Apartment, City Center (Monthly)

$5,173 HK$40.6K

$878 ¥138.6K

489.49%

3-bedroom Apartment, Outside City Center (Monthly)

$3,543 HK$27.8K

$659 ¥104.1K

437.65%

Buy Apartment in City Center (m2)

$29.3K HK$229.7K

$2,826 ¥446.5K

935.53%

Buy Apartment Outside City Center (m2)

$17.5K HK$137.1K

$1,726 ¥272.6K

912.57%

Average Monthly Net Salary (After Tax)

$3,285 HK$25.8K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.79

1.81

109.39%

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

Last update for Hong Kong: October 17, 2026

Last update for Nago, Okinawa: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.8K 58.3%

Nago, Okinawa

$328 26.7% 81.3% $1.4K

Groceries & Markets

Hong Kong

$410 13.7%

Nago, Okinawa

$306 24.9% 25.3% $104

Monthly Utilities & Internet

Hong Kong

$275 9.2%

Nago, Okinawa

$200 16.3% 27.2% $75

Eating Out

Hong Kong

$203 6.7%

Nago, Okinawa

$132 10.7% 34.8% $71

Clothing & Footwear

Hong Kong

$143 4.8%

Nago, Okinawa

$101 8.2% 29.3% $42

Sport & Entertainment

Hong Kong

$117 3.9%

Nago, Okinawa

$83 6.8% 29% $34

Getting Around

Hong Kong

$106 3.5%

Nago, Okinawa

$80 6.5% 24.2% $26

Cost Breakdown

A central one-bedroom costs $2,255 in Hong Kong versus $461 in Nago, Okinawa. 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 $35.00 in Nago, Okinawa. Monthly groceries follow the same trend: $410 vs $306 – making Nago, Okinawa the more affordable choice for daily food spending.

Good to know

🇭🇰 Hong Kong

🇯🇵 Nago, Okinawa

🕒 Local time

01:06 1:06 AM

02:06 2:06 AM

1 h ahead of Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

63,554

💱 Currency

Hong Kong Dollar HKD $

Japanese Yen JPY ¥

📈 Exchange rate

1 HKD = 0.127 USD

1 HKD = 0.113 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

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

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of October 20, 2026: 1 USD = 7.85 HKD (1 HKD = 0.127 USD). 1 EUR = 8.82 HKD (1 HKD = 0.113 EUR).

Japanese Yen exchange rates as of October 20, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to HKD in detail →

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Hong Kong Nago, Okinawa 1,480 km ≈ 2 h 15 min nonstop flight

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Hong Kong
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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 Nago, Okinawa: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,005 in Hong Kong, $1,231 in Nago, Okinawa – roughly 144% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,508 per month in Hong Kong and $1,847 in Nago, Okinawa. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $65.0 in Hong Kong and $35.00 in Nago, Okinawa. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $3,005 in Hong Kong and $1,231 in Nago, Okinawa. That's a gap of about 144%.

A $1,500 monthly budget goes further in Nago, Okinawa, where all-in costs run around $1,231, than in Hong Kong at $3,005. In Nago, Okinawa it covers expenses comfortably, while in Hong Kong it requires careful planning or may not stretch far enough.

It depends on your priorities. Hong Kong has an edge in some lifestyle areas, with costs from $1,231 in Nago, Okinawa to $3,005 in Hong Kong. Climate, culture, job market, and personal taste all factor in.

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 Nago, Okinawa. 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.