Living in New Territories
What it really costs to live in New Territories, what you can earn, the visas that get you in, and the taxes you'll pay — for Hong Kong, updated 2026. New Territories is the most affordable of the 3 Hong Kong cities we track, so it can be a smarter base than the capital if budget matters. New Territories lies in Eastern Asia. Hong Kong's capital is City of Victoria. The main languages are Cantonese, English. Hong Kong borders China.
Cost of Living in New Territories
Full Monthly Breakdown for New Territories
How New Territories Compares to Other Hong Kong Cities
New Territories is not the only option in Hong Kong. Here is how its single-person monthly cost (€2 885) stacks up against the other cities we track — New Territories is the cheapest, Hong Kong Island (Central/Mid-Levels) the priciest.
| City | Single / month | Difference |
|---|---|---|
| Kowloon | €3 305/mo | +15% vs New Territories |
| Hong Kong Island (Central/Mid-Levels) | €3 987/mo | +38% vs New Territories |
What You Can Earn in Hong Kong
Typical gross annual salaries in Hong Kong by sector (entry · median · senior). New Territories pay usually sits around the national median.
| Sector | Entry | Median | Senior |
|---|---|---|---|
| it | €36 000 | €52 000 | €75 000 |
| finance | €40 000 | €58 000 | €82 000 |
Living in New Territories: Safety, Health & Climate
New Territories shares Hong Kong's wider quality-of-life profile. New Territories has a Subtropical monsoon climate. Here is what daily life looks like on the things that matter most when you relocate.
Visa Routes to Hong Kong
Affording New Territories is only half the question — you also need a visa that lets you stay in Hong Kong. The main routes:
- A job offer is normally required for the main work route.
- Permanent residence after about 5 years.
- Investment route from about €3 600 000 (USD).
Taxes in Hong Kong
Top marginal rate 17%, VAT 0%.
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How much does it cost to live in New Territories?
A single person in central New Territories should budget about €2 885/month, roughly €2 452 outside the centre. A family of four needs around €6 038/month.
Can I get a visa to live in Hong Kong?
Yes — the main route usually needs a job offer, with permanent residence reachable in about 5 years. See the full Hong Kong visa comparison for the route that fits you.
Sources: salaries, taxes, safety, healthcare and visa data from World Bank, OECD, the Global Peace Index and official government portals. Cost-of-living figures are community-sourced benchmarks — a guide, not a quote. Last reviewed 2026-05.
Related: Hong Kong Guide · Visa Comparison · All Countries