Houdini Engine is free plugin for unreal now. But if I need to use HDA Asset in unreal for commercial project. Do I need to buy a license for Houdini Indie, or I can use HOUDINI APPRENTICE to make asset and export to unreal for free even the project is commercial?

To create an asset for commercial use (.hda) you will need either Houdini Core or Houdini FX to feed the new free Houdini Engine for Unreal license.

For limited commercial use (.hdalc) (Your company makes less than $100K USD) then you can use Houdini Indie with Houdini Engine Indie (up to three).

Apprentice (.hdanc) is for learning Houdini and the only way to use it with Unreal is in a school setting where the school has Houdini Engine Education licenses.

You cannot mix Apprentice, Indie or commercial products in the same pipeline. You have to go one way or the other.