Two hours in, I was already sweating. Not from the humidity — but because my credit card got declined at a cha chaan teng. That's the Hong Kong most guides don't show you.
You've probably booked your 4 days in Hong Kong and are dreaming of Victoria Peak. But the real challenge? Paying for that dim sum without cash or Alipay. I've been guiding first-time visitors here for years, and the same mistakes keep happening: showing up without a VPN, trusting Google Maps, trying to use Amex.
Here's the truth: you can see the best of Hong Kong in 4 days without feeling rushed — if you avoid the crowd traps and plan your payments. Below is my no-fluff itinerary, tested with dozens of clients.
Day 1: Arrival & Kowloon Chaos
Land at HKG, get your Octopus card at the airport counter (HK$150 deposit, refundable). Skip the Airport Express if you're on a budget — take bus A21 to Tsim Sha Tsui (HK$33, 45 minutes). The bus drops you right on Nathan Road.
Afternoon: Tsim Sha Tsui Waterfront
Walk from the Peninsula Hotel to the Avenue of Stars. It's free — and way less crowded than the Peak at sunset. The promenade gives you that postcard view of Hong Kong Island. Grab a milk tea at Tsui Wah Restaurant (15-19 Cochrane Street, Central — wait, that's on Island side. For Kowloon, try the one at 77 Mody Road). Cash only for small orders, but they accept Octopus.
My pro tip: The ferry from Tsim Sha Tsui to Central costs HK$4 (upper deck). Use Octopus or cash. It's incredibly scenic and avoids the MTR crush. Do this around 5pm to catch the light change.
Evening: Temple Street Night Market
Address: Temple Street, Jordan. Closest MTR: Jordan Station Exit A. Open 6pm–11pm. Don't buy electronics here — they're overpriced. Instead, eat at a dai pai dong (open-air stall). I swear by Ho Tak Kee for shellfish congee. Pay with cash only. A bowl costs about HK$40. The atmosphere is chaotic but electric.
Watch out: The seafood sellers will try to overcharge if you sit down without asking the price first. Insist on a menu with prices written down.
Day 2: Hong Kong Island Highlights
Morning: Victoria Peak
Don't queue for the Peak Tram unless you're there before 8am. Seriously — the wait at 10am can be 90 minutes. Instead, take bus 15 from Central Exchange Square (HK$11.4, Octopus accepted). It winds up the mountain but you'll get a seat and save time.
Once at the Peak, skip the paid Sky Terrace (HK$75). Walk the free Lugard Road loop — it's a 30-minute flat trail with even better views. I've taken hundreds of clients here; the light is best before 11am.
English address for taxi: Peak Tower, 128 Peak Road. But honestly, just tell the driver "Peak" and they'll know.
Lunch: Tim Ho Wan (Original Branch)
Address: Shop 8, 2-20 Kwong Wa Street, Mong Kok. Wait, that's Kowloon. For Island side, the Tim Ho Wan in Sheung Wan (Shop 1, 12-18 Wing Lok Street) is less crowded. Their baked BBQ pork buns are legendary. Expect a 20-minute line at lunch. Cash only. Cost per person ~HK$100.
Afternoon: Sheung Wan & Man Mo Temple
Walk from Sheung Wan MTR (Exit A2) through the dried seafood street to Man Mo Temple (126 Hollywood Road). Free entry. The giant incense coils hanging from the ceiling are incredibly photogenic. Spend 20 minutes max.
Nearby: Cat Street (antique market) — fun to browse but prices are inflated. Only buy if you can hardsle bargain to 50% off.
Evening: Central Mid-Levels Escalator & Soho
The world's longest outdoor covered escalator runs from Des Voeux Road Central to Conduit Road. Start near Central MTR Exit C. Ride it up, then walk down through Soho. Great area for dinner. But beware: many Western-owned restaurants charge HK$200 for a burger. Instead, find a hole-in-the-wall noodle shop at Kau Kee Restaurant (21 Gough Street) — their beef brisket noodles are incredible. HK$55 a bowl, cash only.
Day 3: Lantau Escape & Local Life
Morning: Ngong Ping 360 & Big Buddha
Book your crystal cabin ticket on Klook the night before (around HK$290). Don't buy at the counter — it's more expensive and you'll queue. MTR to Tung Chung Station Exit B. The 25-minute cable car gives you panoramic views over the airport and mountains.
At the top, the Tian Tan Big Buddha is free to approach. If you want to climb the 268 steps, do it before 11am to avoid heat. The monastery nearby serves vegetarian lunch (HK$120, cash) but I find it bland — better to eat back in Tung Chung.
My pet peeve: The crowd at the Buddha base is a mess. Most tourists block the photo spot right at the foot. Walk around to the left side — there's a quiet pathway that leads to a less crowded angle.
Afternoon: Tai O Fishing Village
Bus 21 from Ngong Ping to Tai O (HK$6.5, 20 minutes). This old stilt-house village is a neat glimpse of traditional life. Watch for the pink dolphins (rare but possible). Walk the main street, buy shrimp paste if you like strong flavors. The whole village takes about 1.5 hours to explore.
Payment reality: 90% of stalls here are cash only. Bring small bills.
Evening: Mong Kok Street Food Crawl
Take the MTR back to Mong Kok (East Tsim Sha Tsui interchange, 40 minutes). Exit at Mong Kok Station, and walk to Fa Yuen Street. Hit these three spots:
- Kwong Sang Hong: egg waffles (HK$15) — get the classic flavor, not the matcha gimmick.
- Yat Lok Chicken: soya sauce chicken rice (HK$60) — line moves fast.
- Mango Mango: mango sago pomelo (HK$38) — skip the huge bowls, share a small one.
All accept Octopus or cash. No credit cards.
Day 4: Last-Minute Shopping & Departure Tips
Morning: Causeway Bay & Times Square
MTR Causeway Bay Exit A. If you need cosmetics or electronics, go to Sogo Department Store (opens 10am). But honestly, unless you want luxury goods, skip Times Square — it's just another mall. Instead, explore Jardine's Bazaar street market for cheap souvenirs (negotiate hard).
Midday: Dim Sum Farewell
Head to Lin Heung Tea House (160-164 Wellington Street, Central). This old-school joint still pushes trolleys. Grab seats before 12pm to avoid the lunch rush. Cash only, around HK$100 per person. The steamed chicken feet and egg tarts are my go-to.
Afternoon: Airport Express & Check-in
Hong Kong Station is your best bet for in-town check-in if you're flying with major airlines. You can drop luggage up to 90 minutes before departure. Take the Airport Express (HK$115, one-way, 24 minutes). Counterfeit alert: Don't buy tickets from touts; use the official machine or Trip.com.
Where to Stay in Hong Kong
For first-timers, I always recommend Tsim Sha Tsui — central location, easy MTR access, and view rooms at mid-range prices.
| Hotel | Area | Price Range (per night) | Pros |
|---|---|---|---|
| Bishop Lei International House | Mid-Levels | HK$600–900 | Quiet, free shuttle to Central, rooftop view |
| Hotel ICON | Tsim Sha Tsui | HK$1200–1800 | Harbour view, excellent multilingual staff |
| Hop Inn | Mong Kok | HK$400–700 | Budget-friendly, clean, near night market |
Avoid Airbnbs in Chungking Mansions — they look cheap but the building is chaotic and often smells of curry. I've had clients get lost there for 20 minutes trying to find their room.
What to Eat (Without Breaking the Bank)
Hong Kong street food is world-class and cheap. Here are my three must-tries:
- Egg waffles (gai daan jai): Best at Master Low-Key Food (56-58 Stanley Street, Central). HK$18, crispy on the outside, soft inside.
- Milk tea: Lan Fong Yuen (2 Gage Street, Central) — iced or hot, HK$22, the real silk stocking version.
- Curry fish balls: Any street stall in Mong Kok. HK$10 for 10 pieces. The sauce is mildly spicy — don't be scared.

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Chen Liu
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