Central, Hong Kong
Last updated on Oct 08, 2024
Summary: Expats, digital nomads and retirees discuss what it is like to live in Central, Hong Kong: Cost of living, Finding a home, Meeting People and more.
What do I need to know before moving to Central?
When we asked people what advice they would give someone preparing to move to Central, they said:
"Central is a bustling, cosmopolitan area that is the financial hub of the city. It is known for its high cost of living, particularly when it comes to housing. Apartments are typically small and expensive, but they are often located in close proximity to amenities and public transportation. The official languages are Cantonese and English, with Cantonese being the most widely spoken. However, English is commonly used in business and by the expat community. Hong Kong has a subtropical climate, with hot, humid summers and cool, dry winters. Typhoon season runs from May to November, which can cause disruptions to daily life. Public transportation in Central is efficient and widely used. The area is served by the MTR (Mass Transit Railway), buses, trams, and ferries. Taxis are also readily available and relatively affordable. Hong Kong has a high standard of healthcare, with a mix of public and private hospitals. However, private healthcare can be expensive, so it's recommended to have comprehensive health insurance. The food in Hong Kong is a blend of Cantonese, Western, Japanese, and Southeast Asian influences. Central, in particular, has a wide range of dining options, from street food stalls to high-end restaurants. Hong Kong is known for its fast-paced lifestyle and long working hours. However, it also offers a wide range of leisure activities, from hiking and beach trips to shopping and dining out. The education system in Hong Kong is highly competitive. There are a number of international schools, but demand is high and spaces are often limited. Hong Kong is generally safe, with low crime rates. However, it's still important to take basic safety precautions, particularly in crowded areas. The city has a complex political climate. The relationship between Hong Kong and mainland China can be a sensitive topic, and it's important to be respectful of differing viewpoints. Finally, while Hong Kong is densely populated, it also has plenty of parks and green spaces. The city is surrounded by mountains and coastline, offering plenty of opportunities for outdoor activities," said one expat in Central.
How do I find a place to live in Central?
We asked expats how they chose their neighborhood and found a place to live. They answered:
"Finding a place to live in Central involves several steps. First, you need to determine your budget. The cost of living in Hong Kong is high, and the rental prices in Central, being a prime location, are particularly steep. Next, decide on the type of accommodation you want. You can choose from serviced apartments, regular apartments, or shared flats. Serviced apartments are fully furnished and include services like cleaning and maintenance. Regular apartments are usually unfurnished and you'll be responsible for your own utilities and maintenance. Shared flats are a more affordable option where you share the apartment and the rent with others. Once you've decided on your budget and the type of accommodation, start your search. You can use online property portals like Squarefoot, 28Hse, and Spacious. These websites allow you to filter your search based on location, price, size, and type of property. Another option is to hire a real estate agent. They can help you find properties that match your criteria, arrange viewings, and negotiate the lease terms with the landlord. However, keep in mind that you'll have to pay a commission, usually equivalent to half a month's rent. When you find a property you like, inspect it thoroughly. Check for any signs of damage or issues that might need repair. Also, consider the property's proximity to public transportation, shops, restaurants, and other amenities. Once you're satisfied with the property, you'll need to negotiate the lease terms with the landlord. This includes the rent, the length of the lease, the deposit, and any other conditions. Make sure to read the lease agreement carefully before signing it. Finally, once the lease is signed, you'll need to pay the first month's rent and the deposit. The deposit is usually equivalent to two months' rent. After that, you can move into your new home in Central, Hong Kong," remarked one expat who made the move to Central.
What is a typical expat home or apartment like in Central?
"A typical expat home or apartment in Central is usually a high-rise apartment due to the city's dense population and limited space. These apartments are often modern and well-equipped with amenities such as air conditioning, high-speed internet, and modern kitchen appliances. The living space might be smaller compared to Western standards, but it is usually well-designed to maximize space efficiency. The apartments often feature large windows, offering stunning views of the city's skyline. They are usually located in secure buildings with 24-hour security and concierge services. Some buildings even offer shared amenities like a gym, swimming pool, or rooftop terrace. The interior design tends to be contemporary, with a mix of Eastern and Western influences. The living room is typically the largest area, often combined with an open-plan kitchen. Bedrooms are usually smaller, but they often come with built-in wardrobes to save space. Despite the compact size, these apartments are often located in prime locations, close to public transportation, shopping centers, restaurants, and international schools. This makes them highly convenient for expats who are new to the city. However, it's worth noting that the cost of living in Central, Hong Kong is quite high. Rent for these apartments can be expensive, and utilities such as electricity and water are also typically higher than in other cities. Despite this, many expats choose to live in Central for its vibrant lifestyle, convenience, and the opportunity to be at the heart of one of the world's most dynamic cities," wrote a member in Central.
What is the average cost of housing in Central?
If you are thinking about moving to Central, cost of living in probably a key consideration. Expats commented about the cost of housing:
"The average cost of housing in Central is among the highest in the world. Prices can vary greatly depending on the size and location of the property. For a small apartment in the city center, you could expect to pay a significant amount. Larger, luxury apartments and houses can cost considerably more. It's also worth noting that the cost of living in Hong Kong is generally high, with groceries and utilities also being more expensive than in many other cities," said one expat in Central.
Where should I setup a bank account in Central?
We asked expats in Central what banks they use and there advice about banking. They advised:
"Expats considering retirement in Central should be aware that the cost of living is quite high, especially for housing. They should also know that healthcare in Hong Kong is of a high standard, but private healthcare can be expensive. Understanding the local language, Cantonese, can greatly enhance the experience, although English is widely spoken. The city is known for its fast-paced lifestyle, which might not suit everyone's retirement plans. Hong Kong has a subtropical climate, with hot, humid summers and cool, dry winters. It's also important to note that Hong Kong is a very densely populated city, which can lead to feelings of overcrowding. The city is renowned for its food scene, offering a wide range of local and international cuisines. Public transportation in Hong Kong is efficient and affordable, making it easy to get around the city. Hong Kong has a high level of safety and low crime rate, but it's always important to stay vigilant. The city also has a complex political situation, with ongoing protests and tensions, which could impact the stability and peace of the region. Lastly, Hong Kong has a high tax rate, and expats should understand the tax laws and implications before deciding to retire there," said one expat in Central.
What do expats in Central appreciate most about the local culture?
"Expats in Central often appreciate the city's vibrant and diverse food culture, which offers a wide range of cuisines from traditional Cantonese to international dishes. They also value the efficiency and reliability of public transportation, making it easy to navigate the city. The blend of Eastern and Western influences in architecture, fashion, and lifestyle is another aspect that expats find fascinating. Many expats also admire the locals' work ethic and dedication, which is reflected in the city's fast-paced and dynamic business environment. The rich history and traditions that are still preserved and celebrated in festivals and events are also appreciated. Lastly, the safety and cleanliness of the city are highly valued by expats living in Central, Hong Kong," wrote one member in Central.
What do expats find most challenging?
"Expats in Central often find the language barrier to be the most challenging aspect of the local culture, as Cantonese is the primary language spoken and not everyone speaks English. The high cost of living, particularly for housing, can also be a significant challenge. The fast-paced lifestyle and work culture in Hong Kong can be overwhelming for some expats, as it often involves long working hours and high levels of stress. The dense population and lack of personal space can also be difficult to adjust to. Additionally, understanding and adapting to local customs and etiquette, such as gift-giving traditions and dining etiquette, can be challenging for newcomers. Lastly, the humidity and heat in the summer months can be uncomfortable for those not used to tropical climates," commented one expat who made the move to Central.
Is there a lot of crime in Central?
We asked people if there is a lot of crime. They answered:
"Central is generally considered a safe area with a relatively low crime rate. Like any major city, it experiences some crime, but it is typically limited to minor offenses such as pickpocketing or scams targeting tourists. Violent crime is rare, particularly against foreigners. The local police force is efficient and responsive, contributing to the overall safety of the area. However, it is always advisable for residents and visitors to remain vigilant, especially in crowded places and during late hours," wrote one member in Central.
About the Author
Joshua Wood, LPC is one of the Founders of Digital Nomad Exchange and serves as Co-President of Expat Exchange. Prior to Expat Exchange and Digital Nomad Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
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