A hand applicator of encapsulated liquids, such as cosmetic, hygienic, and pharmaceutical formulations or household chemicals, of different viscosity. When the user squeezes the applicator in her hand, the capsule inside it ruptures, possibly with a clap, and releases a liquid that after being collected by the drain passes through the perforated dissector to get evenly distributed in the absorber and then evenly applied on skin or other surfaces. Inert and impermeable capsules ensure stability of stored liquid formulations. Pressurized capsules are easily tactilely located and crashed. A capsule may be permanently or elastically fixed within the applicator. The applicator may include several capsules that may contain different liquids. A refillable applicator can be refilled with new capsules and used more than once. A transparent impermeable back side the applicator enhances hygiene and creates visibility of the capsule. An impervious glove-applicator for applying hazardous substances is disclosed.