Prince Harry and Meghan have rubbed shoulders with Australia’s ultra-rich, Bondi massacre heroes and an over-friendly pooch as their tour Down Under comes to an end.

The Duke and Duchess of Sussex spent the last afternoon of their trip in Sydney’s glitzy eastern suburbs, with Meghan delivering a headline speech at an exclusive retreat.

Though tickets started at $2699, some shelled out $3199 for a VIP experience that included a group table photo with Meghan, along with gift bags and a premium hotel room.

Guests began streaming into the event from the afternoon, stepping out of blacked-out SUVs in flowing, floor-length gowns.

The comparative commoners were left to linger the nearby streets or look on from surrounding balconies as they hoped for a glimpse of the duchess.

Another passerby waved slowly from her car while cooing “hello”, in a tribute to the late Queen Elizabeth II.

Prince Harry and Meghan started their time in Sydney at Bondi, paying tribute to the 15 people killed in an anti-Semitic terrorist attack at the world-famous beach.

Prince Harry and Meghan met Bondi terror attack survivor Elon Zizer and first responders. Photo: AAP 

They met emergency workers who responded to the shooting, as well as representatives of the Sydney Jewish Museum, which is opening an exhibition on the massacre.

After arriving at the Bondi Surf Bathers Life Saving Club on Friday morning, the couple spoke to Jessica Chapnik Kahn, who survived the attack while shielding her five-year-old daughter after attending a Hanukkah party.

They also spoke to Elon Zizer, 40, who survived after being shot numerous times while protecting his children.

The couple met Shannon Biederman, the museum’s senior curator, who said it was “really special” to have them visit.

Later in the day, they sailed on a yacht around the harbour with Invictus Games athletes before disembarking at the sails of the Opera House.

A crowd craned over the barricades, a helicopter whirred in the cobalt-blue sky overhead and police boats swarmed the jetty.

Even a sailing yacht had stopped to see what all the fuss was about, its crew furiously tacking back and forth in the bay.

After dishing out smiles and hugs, they descended the wharf where Invictus Games competitor Joel Vanderzwan was waiting with a pair of custom thongs.

“He’s a really easy guy to talk to”, Mr Vanderzwan told AAP of his first meeting with the prince.

“(It’s) incredible that someone with that sort of following and that sort of presence can just be one of us.”

Invictus Games competitor Joel Vanderzwan says Prince Harry is “a really easy guy to talk to”. Photo: AAP 

The Invictus Games are an international sporting event the prince founded for wounded, injured and sick military service personnel.

The former royals have been all smiles throughout their four-day visit, making many public appearances, cuddling an affectionate dog and posing for selfies during their commitments.

For royal-watchers, the experience has been a highlight.

Among them were Courtney Higlett and her son Zaya, who shared a special moment with the couple on Thursday.

“A lot’s gone on with Harry and Meghan, and we choose to ignore it and just look up to them as role models for what they do,” Ms Higlett told AAP.

No longer working royals following their much-publicised split with Buckingham Palace, Harry and Meghan are visiting in a private capacity.

The prince delivered a keynote speech at the InterEdge Summit in Melbourne on Thursday, where he shared feeling “lost, betrayed, or completely powerless” at times in his life.

Guests paid about $1000 to $2400 for a ticket to the summit, although media reports suggest Harry was not paid for his speech.

The Duke and Duchess wrapped up their visit watching the NSW Waratahs take on Moana Pasifika at Allianz Stadium – even if they didn’t make it to the final siren.

They enjoyed the match alongside former governor-general and Invictus Australia patron Peter Cosgrove, former Wallabies captain John Eales and Rugby Australia CEO Phil Waugh, as well as Invictus Australia athletes and officials. 

Harry and Meghan sat with Rugby Australia’s Phil Waugh, who was delighted to host the couple. Photo: AAP 

The couple were joined by a modest crowd just shy of 11,000 as well as some rainy Sydney weather.

While Catt was winning the 2003 Rugby World Cup for England, Harry was following the team around Australia and joining in the celebrations. 

“He genuinely loves his rugby,” Catt said. “I’m not sure about Meghan, but I know Harry definitely loves his rugby. 

“Good guy and it’s great for the game for us to have people like him, royalty coming in, is a huge benefit for us.”

The royals enjoyed the first-half action, with Meghan have a boogie to the celebration music after the Waratahs’ first try.

At half-time Harry delivered a speech to the Invictus suite highlighting the success of the Australian movement, stressing that Invictus Australia had worked with more than 30,000 veterans.

The couple were presented with Wallabies and Wallaroos jerseys before they left midway through the second half.

“It was wonderful to host Harry, Meghan and their guests from the Invictus Games at tonight’s Waratahs-Moana Pasifika game,” Waugh said. 

“Harry and Meghan were incredibly gracious and generous with everyone they met and Harry’s halftime tribute to Invictus’ work with veterans was deeply moving.”

Just after the royal exit, the match had a lengthy lightning delay and play was suspended for more than half an hour. 

The Waratahs eventually ran out winners 29-14. 

—AAP