To add to Nitzpo's post. If I step outside on a winter day and want to tell my mother that "I'm cold," in Hebrew I would say the equivalent of "Mom, it's cold to me" or "אמא, קר לי" If I want to complain to my therapist that my wife is frigid like an icy wind-- alluding to either an emotional or sexual coldness (or even cold to the touch as Nitzpo explained) I would say "היא קרה". However, when talking about inanimate objects you say the "cake is hot "העוגה חמה" or the milk is cold "החלב קרה".
The standard Israeli "accent" often leaves off (or at least minimizes) the initial ה in many words. Think about the silent initial h in some English words, like honest and hour. Some people still drop the h when they say human or humour/humor. The speaker includes the first word, but drops the ה, and the final ee sound goes into the initial ee sound making it hard to differentiate. But since that is really how they speak, it is good for us to practice hearing it that way.
When I was in ulpan in Jerusalem some decades ago, I learned to drop those initial הs to sound "right" to my Israeli friends.