Skip to Content

Ultimate Hot Chocolate

If you like this recipe, please share!

This Ultimate Hot Chocolate has become a Christmas morning tradition in our house. It’s rich and creamy and made with two kinds of chocolate.

Also contributing to the richness is the combination of whole milk and heavy cream.

Ultimate hot chocolate in a glass mug with whipped cream on top sitting on a Christmas placemat.

Ingredients for Ultimate Hot Chocolate

This is truly the best hot chocolate recipe you will ever make. While I make this hot chocolate throughout the winter, it is our Christmas morning tradition.

  • Whole Milk – While you can substitute 2% it’s so much better with whole milk.
  • Heavy Whipping Cream – Again, go for the good stuff. Don’t use half and half.
  • Sugar – The recipe calls for granulated sugar.
  • Cocoa Powder – I like to sift the cocoa powder before making this homemade hot chocolate. 
  • Milk Chocolate Chips – You could substitute semi-sweet chocolate chips if you prefer.
  • Pure Vanilla Extract – For best results use only pure vanilla extract. No imitation.

Pro Tip: Sifting the cocoa powder eliminates the lumps which will be more difficult to whisk out once you add liquid.


Hot chocolate in a ladle over a pot on the stove.

Can you use all milk in Ultimate Hot Chocolate?

Why two kinds of milk? For richness, of course. You could substitute 2% milk but anything else and it won’t be as rich.

Why milk chocolate chips? It’s my family’s preference. I have used semi-sweet and they work well too. If you only have semi-sweet, use them, it will still be delicious.

Hot chocolate topped with whipped cream in a Christmas mug.


But my ultimate hot chocolate isn’t just for Christmas. It’s perfect anytime you need to warm up on a cold day. If you have leftover, you can certainly store it covered, in the fridge and warm it up again. While you can warm it in the microwave, I always prefer to do so on the stovetop. I have to say, though, we’ve never had any leftover.

Find more yummy hot chocolate recipes

Ultimate Hot Chocolate is rich and chocolaty, and ideal for wintery days.

Hot chocolate topped with whipped cream in a Christmas mug.

Ultimate Hot Chocolate

Yield: 6 servings
Prep Time: 10 minutes
Cook Time: 15 minutes
Total Time: 25 minutes

Rich, creamy and delicious. Perfect for a cold day.


  • 6 cups whole milk
  • 2 cups heavy whipping cream
  • ½ cup sugar
  • ⅓ cup cocoa powder
  • 1 cup milk chocolate chips
  • 1 ½ teaspoons pure vanilla extract


  1. In a Dutch oven over medium heat, combine whole milk, whipping cream, sugar and cocoa powder. Whisk constantly until cocoa powder is combined and sugar is melted. Add chocolate chips and stir until melted. 
  2. Heat thoroughly, then reduce heat to low to keep warm. Don't ever let the mixture come to a boil. Stir occasionally so it doesn't burn.
  3. Serve in warmed mugs with whipped cream, marshmallows and other hot chocolate toppings.

Recommended Products

As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.

Did you make this recipe?

I'd love to hear about it! Please leave a comment below or share it on Pinterest!

Jan Thomas

Saturday 2nd of February 2019

I love a good hot chocolate recipe!!! Thanks for sharing a lovely treat for a Chocolate Lovers Link Pary at Celebrate 365 Blog Party!

Valentina | The Baking Fairy

Saturday 5th of January 2019

This sounds so rich and wonderful! How smart to use both milk and cream for an extra thick drink!


Saturday 5th of January 2019

I love all kinds of hot chocolate. This sounds sooooo good!

Liz @ Books n' Cooks

Saturday 5th of January 2019

Such a lovely Christmas morning tradition! We love hot chocolate in this house, but usually make with low-fat milk. Will need to try your version one snowy day this winter.


Friday 4th of January 2019

Woah. Need to save this one for cheat day ;) Looks amazing!

Skip to Recipe