Thank you, it's always interesting for me to hear from different people. My DH is Russian and how he sounds the Russian letter X (as in хорошо) is very similar indeed to the "ch" sound in the Scottish word "loch" and the "ch" sound in chutzpah. What I would describe as "kh"
"it's not really like the ch in scottish loch. I'd say it's more like 'kh'"
It's interesting that you say that as, to my ears, the "ch" in the Scottish word loch is pronounced exactly the same as the "kh" sound - at least by Scots. It's a different matter entirely when the word is pronounced by most English people.
Also, I've found that many Scousers (people with a strong Liverpool accent) use a similar "kh" sound when there is a k in the word. For example "like".
Just listen to a Scouser say something like "You know what I mean like?" The word like is usually pronounced as "likh"
Here is an example, from TikTok, of a young lad with a very obvious Scouse accent being interviewed in the street and at about 0:28 says:
"So likh [how he pronounced the word], what I'm trying to say is that he is the best football player in the world"
The word "like" is very clearly pronounced as "likh"
ps this young lad is also definitely gender critical. As he also says at about 0:20
"If your aunt had balls she'd be your uncle, but she doesn't so she's not. Do you know what I'm trying to say?"
https://www.tiktok.com/@iqbalahmed23/video/7115889077857111297?lang=en