The Costs of Living in Hong Kong

We've been here for 2 1/2 months now, and have had an established weekly budget for the last 8 weeks, so I thought it time I shared how much it costs for the two of us to live in Hong Kong in a typical month.

First, here are the last four weeks of expenses in HK dollars:

This includes groceries, meals out, household items, snacks, etc.  It includes HK250 each for our monthly gym memberships.  It also includes several hundred dollars topping up our Octopus cards (used for the subway, buses, trolleys, and star ferry), as well as another hundred topping up Nora's prepaid phone.  It does not include utilities, our three day trip to Macau, or our rent.

On week 3, we went over our budget (HK1800), and I carried over the 293 to week 4.  With that in mind, you can see that our four week total is HK7,363, which is about US $950.  Or, to round up, about $250 per week for two people, including transportation costs, mobile phone bills, and gym memberships.  Considering how well we eat, and how often we go out to eat (usually twice during the work week, and then 4 or 5 times on weekends), I'd say that's pretty fantastic.

On to the next part: utilities.  Our monthly internet bill is HK168 (another fantastic price; for about US $22, we get 100MB service.  For comparison, 10MB service with Comcast back home is $60.).  Our water bill this month was HK45.  Our electric bill was HK434 (the government subsidizes electricity, and took HK120 off our bill). Our gas bill was HK61.  All told, our utilities come out to HK708, or ~US $92.

Last item of consideration, our rent.  We live in a nice place, with a balcony, a harbor view, and an in-house gym.  As such, our rent is a bit higher than most of our friends here in HK (for comparison, our friend K shares a two bedroom place with a roommate, and their total rent is about 15% cheaper than our 1 bedroom flat). Our monthly rent comes out to HK15,000, or a bit under US $2k.

Grand total for all expenses over the past month: just over HK23,000, or about US $3,000.

This is more than we were paying when we lived in Tennessee (our monthly expenses there were between $2,000 and $2,250).  On the other hand, we almost never went out to eat back home.  In addition, while I was making about $20k more a year there, Nora was unemployed and taking out student loans.  I'm making a lot less here, but we're no longer borrowing money, and Nora's job leaves us with about HK10k a month, or a bit less than a third of her salary, after all expenses.

Well, almost all expenses.  We do have this nasty habit of travelling.  Our 3 day weekend in Macau was very expensive--we went crazy and got this insanely nice room at at posh casino hotel.  In a week from now we'll be travelling to Singapore, where our lodging will be cheaper (a week in a hostel), but we won't be holding back on food and drinks--they're our favorite part of travelling.  Then in December we're going to Taiwan for 12 days, and in February we're going to Malaysia for a week.  There's another two week period in April that we haven't decided on yet, and a 6 week period in June and July that we'll be visiting the US.  All things considered, between what we're saving from Nora's salary and my online work, we don't anticipate to save a whole lot over the next year.  Perhaps US $5k.

But we will be paying off our student loans, eating some of the best food the world has to offer, and doing a lot of travelling.  More frugally minded people who don't have such a nice apartment or travel as frequently could easily save a lot more than $5k.  And couples who both work in HK would save even more still (an HK salary would be 3-5x what I'm making online, but we're forgoing that additional income for a year so I can concentrate on my writing).

So even though Nora's school doesn't pay for our housing, as our school in South Korea did, in the end Hong Kong offers an equivalent--or greater--opportunity to make and save money, enjoy life in Asia, and travel.  The biggest difference for us is that in SK we only got two weeks off the entire year, and the weeks couldn't occur back-to-back.  Here, between government holidays and school breaks, Nora has eleven weeks off throughout the year, during which she continues to receive a salary, making even the stresses of her job seem well worthwhile.

In other words, we couldn't be happier.

Living in Hong Kong

We've been here three weeks now, so I thought I'd share a few things.

First, you're perhaps wondering why we came.  We visited HK a few years ago during vacation from our teaching gigs in Seoul, South Korea.  While it was very hot and humid, pretty much everything else about Hong Kong excited us, and we pledged then that if we ever could live and work here we would.  Fast forward a few years.  Nora returned to school to get her teaching certification, realized that she wasn't all that jazzed about being a teacher halfway through, and settled on being a school librarian (these days they need teacher's certifications and a Masters in library science).  Nora took on both programs at the same time, which was a pretty astounding workload; I continued working online, and took on a lecturing position at MTSU because we were living about a mile away and it seemed like a good idea.  Long story short: we moved out of our apartment, I left my lecture position after three semesters, we went to India, Sri Lanka, and Ecuador, and meanwhile Nora applied to a lot of positions around the world.  Two in Hong Kong called her back, and a lot of paperwork later, we were all set to go.

(us at the Tian Tan Buddha on Lantau Island in 2010)

So we sold our car, our desktop computer, our Xbox, and my bicycle (the bicycle was the hardest to let go) and bought flights to Hong Kong.  We arrived the night of August 1st, got to our hotel, and slept.  When we woke up, it was my birthday, which I thought was a pretty good sign.  And aside from still very slowly recovering from the ankle I sprained in India, just about everything else has been a very positive experience.

(milk tea and Pearl dumplings in spicy sauce)

We gave ourselves 3 days to find an apartment, but thanks to Nora's research and emails in advance, we signed a lease on the first day and paid the deposit and rent on the 2nd and got the keys.  The building is relatively new, in a quieter (for HK) neighborhood, and has a gym on the 5th floor.  Across the street are two more buildings of the same complex, and they have a larger gym and a pool.  It's a 4 block walk to Nora's work, and so far I've visited four bakeries and six grocery stores within a ten minute walk.  Several major bus lines stop on the corner, from whence we can go downtown, to the subway station, or to the other side of HK island.

(rush hour at the Central subway station)

Within a 5 minute walk of us there are several cafes and bars, a public library, as well as restaurants specializing in Chinese (obviously), Korean, Vietnamese, Indian, Spanish, Italian, French, American, and English pub foods.  We got a ridiculous amount of furniture delivered from Ikea and assembled for less than $200, and any of the above restaurants offer free delivery.  I've recently discovered that the grocery stores do, too, but to be honest grocery shopping is one of my favorite activities, so I'm not cutting it out anytime soon.

(Chinese breakfast: eggs, bun, noodles and soup, and milk tea)

Our apartment is on the 20th floor, and has a balcony with harbor views. We've got a kitchen with fridge, decent counter space, 2 sinks, 3 gas burners, and a washing machine.  We've got a table with two chairs, a chest of drawers, and a couch and coffee table in our living room.  the bedroom has a double bed and wardrobe.

(our apartment before we got furniture)

Potential downsides: we've got 410 square feet in our apartment, including the balcony. So it seems pretty small.  The weird thing is, after getting all our furniture moved in and our things stored properly, it actually seems larger.  It's plenty of space for us, though the shower could be a little larger.  It's difficult to turn around in for someone with arms as long as mine.  The washer is supposed to also be a dryer, but I can't get the drying function to work, and I broke the latch that opens it on the first day.  So I'm using a pair of scissors to open the washer, and we have to hang dry our clothes on the balcony, but these are minor inconveniences, and we hung all our clothes to dry the year we lived in Korea, too.

(light show from Kowloon)

Imagine, if you will, a city that is caught somewhere between the future and the past, a place where light shows illuminate skyscrapers to the sound of a symphony orchestra, and where bamboo scaffolding surrounds construction work on a traditional herbal dispensary.  Where you can buy 1 Gigabit internet service for the same price as 10Mb service in the States, and within a short walk also by dried shark fins.  Where ferries cruising above the waves on hydrofoils jostle for space with sampans, junks, and cargo vessels. There are tree everywhere, and from afar the buildings seem to rise up as if out of a forest.  The harbor on one side and the mountains on the other are omnipresent; no matter where you are, you can always orient yourself.  This, to me, is Hong Kong.

(walking along the harbor in Kennedy Town)

It's fast, loud, hot, and always humid.  It's a polyglot, gastronomical wonderland that encompasses the best of what big cities have to offer. The only thing it's missing is you.

(sunset over the harbor from our balcony)