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Hong Kong Dollar to Chinese Yuan exchange rates aren't all the same.

The total cost you are charged by your bank or foreign exchange provider consists of a margin from the interbank mid-rate plus fees. These margins and fees vary significantly for International Money Transfers and Travel Money transactions as shown below.


This resource page for the Hong Kong Dollar to Chinese Yuan exchange rate, has news, forecasts and HKD to CNY comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. You can also check an exchange rate margin with our Exchange Rate Checker.

HKD/CNY Exchange Rates - How to Compare & Save

Exchange rates can vary significantly depending on the transaction type (transfer, cash or card), currency pair and amount. The below table shows an example of total costs charged by FX specialists and banks for HKD/CNY International Money Transfers. Costs are calculated against the current interbank mid-rate.


HKD to CNY International Money Transfers


Foreign Transfer ProvidersReceive CNY(¥)Exchange RateFee HKDTotal CostDeal Links
OFX logo
42,705 CNY0.85410 for BER users (normally $15)4.87%
DBS Bank logo
42,258 CNY0.846505.86%
Banks - Average Rate
DBS Bank logo Citibank logo HSBC logo
41,804 CNY0.8369556.88%
HSBC logo
41,678 CNY0.8349$807.16%
Citibank International Money Transfers
Citibank logo
41,475 CNY0.8297127.61%
OFX: Foreign Transfer HKD→CNY
HKD amount:$50,000 HKD
Fee:0 for BER users (normally $15)
Exchange Rate:0.8541 (4.87% from mid-rate)
CNY amount:42,705 CNY
Total Cost:4.87%
Rate Fetched: Sat Aug 17 2019 00:16:55 GMT+0000 (UTC)
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
: 4.8/5.0

DBS Bank logoDBS Bank

DBS Bank: Foreign Transfer HKD→CNY
HKD amount:$50,000 HKD
Exchange Rate:0.8460 (5.77% from mid-rate)
CNY amount:42,258 CNY
Total Cost:5.86%
447 CNY less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0

Banks - Average Rate

Foreign Transfer HKD→CNY
HKD amount:$50,000 HKD
Exchange Rate:0.8391 (6.54% from mid-rate)
CNY amount:41,804 CNY
Total Cost:6.88%
901 CNY less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers


HSBC: Foreign Transfer HKD→CNY
HKD amount:$50,000 HKD
Fee:$80 HKD (Minimum fee)
Exchange Rate:0.8349 (7.01% from mid-rate)
CNY amount:41,678 CNY
Total Cost:7.16%
1,027 CNY less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0

Citibank logoCitibank

Citibank: Foreign Transfer HKD→CNY
HKD amount:$50,000 HKD
Exchange Rate:0.8297 (7.59% from mid-rate)
CNY amount:41,475 CNY
Total Cost:7.61%
1,230 CNY less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0
Snapshot 08/17/2019 - See full table

HKD to CNY interbank exchange rate = 0.8978


Exchange Rate Checker

If you have been offered/charged an exchange rate then enter it below to check the true cost to the latest interbank mid-rate.


Compare savings on HKD/CNY exchange rates

Foreign Transfers

Foreign Transfers Travel Money


HKD and CNY in the Markets

When determining the best time to make a foreign exchange transaction, in this case the HKD vs CNY, you should pay attention to the recent market trends for both currencies.


Hong Kong Dollar (HKD)

The Hong Kong dollar has gained value in 2019 despite a serious escalation in US-China trade tensions, mainly because the US dollar, to which HKD is pegged, is attracting safe-haven inflows. By May-17, against a basket of important currencies, HKD was worth 2 percent more year-to-date, and was only 0.5 percent away from making a 2-year high.

HKD was doing particularly well against the Australian dollar. It was, at the time of writing, valued 18 percent higher than 2018 lows against AUD and needed only a further 2.3 percent to reach a 10-year high. Though HKD was meeting significant resistance in mid-May at the 5.4 per AUD level, a break of this could spark significant appreciation.

Read more in the article HKD Forecasts.


Chinese Yuan (CNY)

In early August the offshore yuan surged to a decade high of 7.05 per US dollar, breaking the symbolic and closely watched USD/CNY = 7.0 exchange rate, after the trade war flared up again and the US labelled China a "currency manipulator".

Increasingly, the yuan is being used as a barometer for progress made on US-China trade talks.

Trade tensions have ramped up again since May when President Trump announced higher tariffs on Chinese goods, after China retaliated with tariffs of its own, and then after Trump placed Huawei on the "entity list," thereby making it impossible for the tech giant to do business with US firms.

Why can't I just get the HKD/CNY market rate I see online or in the media?

The mid-rate is the rate you will see quoted online or the news. It is actually just the half-way point (hence mid-rate) between the last rate at which the HKD / CNY was traded (bought or sold) in the international markets.

All foreign exchange providers charge a fee for providing their service and this fee is usually contained within the exchange rate margin (or difference to the mid-rate). Some providers such as Transferwise will quote you the mid-rate (or close to) and charge a separate percentage fee.

Getting a good market rate is mainly about timing however the transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.

Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.

We help you Compare & Save Money on Exchange Rates.


View all HKD Exchange Rates