The pregnant duchess completed the look with a traditional New Zealand jade necklace by Maori designer Kiri Nathan, which was carved by Jason Nathan.
The Duke and Duchess of Sussex are on a 16-day royal tour of Australia, Fiji, Tonga and New Zealand, which will wrap up this week.
Just as she and Harry were about to get into their waiting vehicle, Meghan approached Hannah Sergel, 20, before embracing like old friends.More news: Pakistan reimposes ban on Indian content on TV channels
Despite the rainy weather, the duke and duchess - who are set to welcome their first baby in the spring of 2019 - spent a lot of time graciously meeting fans who had been waiting for them since the early morning.
Prince Harry reportedly shouted "what Meghan wants, she gets" at royal staff members ahead of his nuptials to former Suits actress Meghan Markle.
After greeting as many people as they could, the couple headed inside to support Pillars, a New Zealand-based charity that supports the children of imprisoned parents.More news: The Latest On Pittsburgh Synagogue Shooting
"And having a child is obviously a massive part of their life but they're not going to make it the number one part of their life, it's about them as a family, as a unit. We are so grateful for your hospitality and the work to look after this handsome place".
The couple have been making headlines all around the world for their loved-up display on tour.
Meghan, displaying what Harry affectionately refers to as "our little bump", has drawn adoring crowds in Australia, Fiji, Tonga and New Zealand on her first global tour since the couple married in May.More news: Hands-On: 2018 MacBook Air with Retina Display