Financial Tools
Forex Converter
Convert between HKD and 17 major currencies with live exchange rates and trend charts. Essential for travel, online shopping, and remittance.
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Conversion Result
Rate Trend
1 HKD → CNY
Popular Pairs
Forex Tips
Foreign Transaction Fees
Most Hong Kong credit cards charge 1.95%–2.5% foreign transaction fees. For example, a HK$10,000 purchase in Japan adds HK$200–$250 in fees. Use cards with no foreign transaction fees (e.g. Standard Chartered Simply Cash, some UnionPay cards).
Bank vs Money Changer Rates
Bank telegraphic transfer (TT) rates are usually the best but charge fees. Money changers offer slightly worse rates but no fees. For small amounts (<HK$10,000), use money changers. For large remittances, bank TT is cheaper.
Limit Orders
Some online banks support limit orders — set a target exchange rate and it converts automatically when reached. No need to watch the market constantly. HSBC, BEA and others offer this feature.
Travel Cash Tips
Airport exchange counters offer the worst rates (poor rate + fees). Exchange a small amount at a Hong Kong money changer before departure, then use local ATMs (UnionPay network = no fees) and credit cards at your destination.
What Is the Forex Converter?
Whether you're travelling, shopping from overseas websites, or investing in foreign currencies, exchange rates directly impact your costs and returns. The Forex Converter supports 17 major currencies (USD, CNY, EUR, JPY, GBP, AUD, SGD, TWD, KRW, THB, and more) with bidirectional conversion — HKD to foreign currency or vice versa. Enter your amount and see results instantly across all currencies, plus an interactive trend chart to track rate movements over time. Exchange rate data is updated live.
Key Concepts
Bank Rates vs Reference Rates
The rates shown here are reference (mid-market) rates. Banks and money changers apply a spread — their buy rate is lower and sell rate is higher than the mid-market rate. Spreads typically range from 0.5–2%, depending on the currency and transaction size. Always compare quotes from several banks or money changers before making a large exchange.
HKD Linked Exchange Rate System
Since 1983, the Hong Kong dollar has been pegged to the US dollar, with the HKMA committed to keeping the exchange rate within the 7.75–7.85 band. This system keeps the HKD relatively stable but also means Hong Kong's interest rate policy largely follows the US Federal Reserve. When the US raises rates, Hong Kong banks typically follow.
Travel Money Tips
Rather than exchanging money at the airport or your hotel (usually the worst rates), consider: ① Using a credit card with high overseas spending rebates (2–4% cashback can offset the exchange spread); ② Exchanging a small amount of cash at a Hong Kong bank beforehand; ③ Using local ATMs at your destination (usually better rates, but check for fees).
Frequently Asked Questions
When is the best time to exchange currency?
How does the RMB exchange rate work?
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⚠️ Note：The above calculations are for reference only and do not constitute financial, investment, or tax advice. Actual outcomes may vary based on individual circumstances, financial institution policies, or regulatory changes. Please consult a licensed professional before making any financial decisions.