Yeah you can simplify it a bit:

#!/usr/bin/perl
use strict; 
my $sur = [
   { 'one' => 'USA', 'two' => 'GOD', 'three' => '690557', 'four' => 'h
+ello how are u', },
   { 'one' => 'USA', 'two' => 'GOD', 'three' => '690557', 'four' => 'I
+ am fine', },
   { 'one' => 'UK', 'two' => 'GOD', 'three' => '69058',  'four' => 'I 
+am Okay', },
]; 

my %hash1; 

foreach my $key ( @{$sur} ) { 
    
   my $firstrow = $$key{one} . '<-->' . $$key{two} . 
                  '<-->' . $$key{four}; 

   if( $hash1{ $$key{three} } ne '' ) { 
       $hash1{ $$key{three} } = $hash1{ $$key{three} } . 
               '####' . $key{four};
   }
   else { 
       $hash1{ $$key{three} } = $firstrow; 
   }
}
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