Lifestyle Intelligence

Cost of Living · Singapore vs Hong Kong

Compare rent pressure, discretionary drift, and monthly budgets across two sovereign hubs before you sign the relocation package.

Singapore

Cost-of-living

Rent index

Estimated median professional income: $105,500

Hong Kong

Cost-of-living

Rent index

Estimated median professional income: HK$440,000

Spread

Index delta

-45.1

Singapore is 45 points less expensive on our deterministic index.

Singapore

Asia’s premier wealth management hub. Known for ultra-low personal income tax and high expatriate demand.

Reference monthly net: $29,394

Housing pressure

25% of take-home pay devoted to housing.

Hong Kong

A gateway to Asian capital markets. Features a simple, low-rate tax system capped at 17%.

Reference monthly net: HK$32,303

Housing pressure

35% of take-home pay devoted to housing.

Monthly allocation

Budget blueprint

Singapore

Monthly net $29,394

Housing$7,349

Essentials$4,409

Lifestyle$7,349

Savings$10,288

Hong Kong

Monthly net HK$32,303

HousingHK$11,306

EssentialsHK$9,691

LifestyleHK$6,461

SavingsHK$4,846

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Frequently asked

Is Singapore more expensive than Hong Kong?+

Singapore posts a cost-of-living score of 50 with rent at 63. Hong Kong sits at 96 / 75. The spread is driven by housing (-12.2 points) and imported services.

What income do I need to maintain lifestyle parity?+

Using a reference salary of $440,000, the take-home pay differs by HK$34,910. Adjust offers upward if relocating to the more expensive hub.

How much of my income should go to rent?+

Allocating 30% of monthly net is sustainable in Hong Kong, while Singapore may require closer to 25% unless allowances are provided.