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Creamy White Chocolate Milk (with Condensed Milk)

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Modified: Oct 4, 2025 · Published: Oct 4, 2025 by Sandra
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Few things say comfort quite like a mug of white chocolate milk. Silky smooth, perfectly sweet, and just a little indulgent. Whether you're winding down on a chilly night or warming up after a winter walk, this creamy white hot chocolate is pure happiness in a mug.

A mug of white chocolate milk, served with white chocolate drops and freeze dried strawberries.

While traditional hot chocolate recipes rely on cocoa powder or dark chocolate, white hot chocolate brings something different to the table. Buttery richness, a touch of vanilla, and that velvety sweetness that only white chocolate can deliver. It's a cozy twist that instantly feels more luxurious, like something you'd order at a winter café but can easily make at home.

The Secret to Ultra-Creamy White Hot Chocolate

Most recipes use only milk and chocolate, but if you've ever found your hot chocolate a bit thin or overly sweet, here's the fix: sweetened condensed milk. Just a small amount gives your drink a richer body and a silky mouthfeel that regular milk alone can't provide. You'll find it in the baking aisle of any American supermarket (often near the evaporated milk).

This one-pot recipe takes less than 10 minutes, and you can easily scale it up for a crowd - perfect for holiday brunches, cozy movie nights, or après-ski treats.

White Chocolate Milk: How To Serve

If you're looking to elevate your mug, try adding a splash of Baileys, Amarula, or white chocolate liqueur for a grown-up touch. The cream liqueur blends beautifully with the sweetness of the chocolate and adds a light, warming finish.

Serve the hot chocolate topped with unsweetened whipped cream, a dusting of freeze-dried raspberries, or a sprinkle of white chocolate curls for the ultimate treat.

Is your sweet tooth still not satisfied? Serve the white chocolate milk with a slice of this cinnamon loaf cake for some extra wintery sweetness!

What to Do with Leftover Condensed Milk

Ended up with half a can of condensed milk and not knowing what to do with it? Luckily, it keeps well in the fridge for up to two weeks in a sealed jar. You can drizzle it into coffee, stir it into overnight oats, or use it to make homemade fudge or ice cream.

About This Recipe

This recipe takes inspiration from European drinking chocolates - a bit thicker, creamier, and more luxurious than traditional American hot chocolate. Unlike cocoa-based versions, white hot chocolate should never be boiled; gentle heat preserves the silky texture and prevents curdling.

Top view of a mug filled with white hot chocolate. The drink is garnished with whipped cream, white chocolate and strawberries (freeze-dried).

Frequently Asked Questions

Can I make white hot chocolate without condensed milk?

Yes, replace it with half-and-half or heavy cream. The result will be slightly less sweet but still creamy. You can add some extra sugar to satisfy your sweet tooth, or garnish the drink with sweetened whipped cream.

Why did my white hot chocolate separate?

This happens if the milk gets too hot. Keep the heat low and stir often so the chocolate melts gently.

How can I make it less sweet?

Substitute the condensed milk with evaporated milk or half-and-half cream.

A mug of white chocolate milk, served with white chocolate drops and freeze dried strawberries.

White Hot Chocolate Recipe

Cozy, creamy, and irresistibly sweet. This white hot chocolate made with real white chocolate and condensed milk is the ultimate winter comfort drink.
Print Recipe Pin Recipe
Prep Time 5 minutes mins
Cook Time 10 minutes mins
Total Time 15 minutes mins
Course Drinks
Cuisine American
Servings 4 people
Calories 435 kcal

Equipment

  • saucepan
  • whisk

Ingredients
  

  • 2 ½ cups whole milk
  • ¾ cup sweetened condensed milk
  • 3 ½ oz high-quality white chocolate (chopped or chips)
  • 1 tablespoon vanilla extract
  • 4 tablespoon Baileys or Amarula (optional)

Toppings (optional but recommended)

  • Whipped cream (unsweetened), white chocolate curls, marshmallows, or freeze-dried fruit powder

Instructions
 

  • Heat the milk: In a medium saucepan, combine the whole milk and condensed milk over medium-low heat. Stir gently until warm, don't let it boil.
  • Add the chocolate: Add the chopped white chocolate and stir until completely melted and smooth.
  • Add flavor: Stir in vanilla extract, if using.
  • Serve: Pour into mugs, add a splash of Baileys or Amarula if desired, and top with whipped cream, white chocolate curls, or your favorite garnish.
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Notes

If you happen to have leftovers (unlikely!), let them cool and refrigerate for up to 2 days. Reheat gently over low heat, adding a splash of milk if it thickens too much.

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