Abstract A wide range of wireless system developments require knowledge of the distribution of electromagnetic fields from various sources in humans. As experimental assessment is ethically unacceptable, high-resolution numerical dosimetry is needed. The finite-difference time-domain method is the most appropriate due to its simplicity and versatility. Reduction in demands on computational resources can be achieved using subgridding techniques. This paper rigorously introduces frequency dependency to one of the most promising subgridding techniques, Huygens subgridding. The validity of the Huygens surface in lossy media, as well as on the physical interface, is intensively studied. Keywords Huygens surface