Not sure about the Arabic 'kh', but it seems likely to be similar.
Actually, my understanding was that the double-L in Welsh was pronounced like 'chl', with the 'ch' being the sound from 'loch'. Supposedly, mis-hearing of this pronunciation is what created the name '
Floyd' from the original '
Lloyd'.
To answer the original question, I think most English-speaking people would say 'loo-ella', but a Welsh person might say 'chloo-echla'.