HSBC USD to HKD Exchange Rates - Compare & Save

HSBC Exchange Rates

Here we review HSBC's foreign exchange services and how their exchange rates compare to FX specialist providers, compare rates and check how you can save money when you send and spend abroad.

HSBC, also known as the Hongkong and Shanghai Banking Corporation, is a multinational investment bank and financial services company based in London, UK. HSBC operates in over 60 countries and territories, including the UK, Hong Kong, China, Canada, the US, Australia, and throughout Europe, the Middle East, and Asia. The bank is well-known for its retail banking services, investment banking, and wealth management services, and has a large and diverse customer base.

In terms of foreign exchange rates, HSBC offers competitive rates for international money transfers and foreign currency exchange services. Customers can transfer money overseas in a range of currencies, and the bank offers real-time exchange rate quotes and low transfer fees. HSBC also offers foreign currency accounts and multi-currency accounts, allowing customers to hold and manage multiple currencies in a single account.

HSBC's foreign exchange rates are competitive with other major banks and financial institutions, and the bank has a strong reputation for providing reliable and secure services. However, it is always recommended that customers compare exchange rates and fees across different FX providers to ensure they are getting the best value for their money.

When you get a quote for your Global Money Transfer from HSBC on their website or in-app, you can also see the HSBC exchange rate, but it can be difficult to then calculate how much you are being charged.

HSBC does not publish their exchange rates publicly which is frustrating. However, our research shows that on average, HSBC profit margin for foreign exchange rates is somewhere between 2.8 - 7%, depending on the amount you're sending, where you're sending it to and which currency will be received.

While all banks add this mark-up, the extra amount being charged is much higher than it would be with a global money transfer specialist.

USD to HKD Market Data

US dollar (USD) to Hong Kong dollar (HKD) market data - latest interbank exchange rate, trend, chart & historic rates.

Sell USD → Buy HKD

1 USD = HKD

▲+0.1%

90d-highs

USD to HKD is at 90-day highs near 7.8286, just 0.7% above its 3-month average of 7.7738, having traded in a stable 1.0% range from 7.7500 to 7.8286

20-MAY 8PM-NY 21-MAY 1AM-LON 8AM-HK 10AM-SYD

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1 HKD = 0.1277 USD

Date	USD/HKD	Change	Period
07 May 2025	7.7589	0.9% ▲	2 Week
20 Feb 2025	7.7766	0.7% ▲	3 Month
21 May 2024	7.8046	0.3% ▲	1 Year
22 May 2020	7.7567	0.9% ▲	5 Year
24 May 2015	7.7518	1% ▲	10 Year
26 May 2005	7.7808	0.6% ▲	20 Year

USD/HKD historic rates & change to 21-May-2025

What are equivalent amounts of USD and HKD?

Here are some popular conversion amounts for USD to HKD (US dollar to Hong Kong dollar)*.

USD	HKD
$ 1	HK$ 7.8321
$ 5	HK$ 39.16
$ 10	HK$ 78.32
$ 20	HK$ 156.64
$ 50	HK$ 391.61
$ 100	HK$ 783.21
$ 250	HK$ 1,958
$ 500	HK$ 3,916
$ 1,000	HK$ 7,832
$ 2,000	HK$ 15,664
$ 5,000	HK$ 39,161
$ 10,000	HK$ 78,321
$ 20,000	HK$ 156,642
$ 50,000	HK$ 391,605
$ 100,000	HK$ 783,210

USD	HKD
$ 0.1277	HK$ 1
$ 0.6385	HK$ 5
$ 1.2770	HK$ 10
$ 2.5540	HK$ 20
$ 6.3850	HK$ 50
$ 12.77	HK$ 100
$ 31.93	HK$ 250
$ 63.85	HK$ 500
$ 127.70	HK$ 1,000
$ 255.40	HK$ 2,000
$ 638.50	HK$ 5,000
$ 1,277	HK$ 10,000
$ 2,554	HK$ 20,000
$ 6,385	HK$ 50,000
$ 12,770	HK$ 100,000

More amounts

*Converted at the current USDHKD interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.

Forecasts for USD to HKD

21 MayRecent forecasts for the USD to HKD exchange rate reflect a complex interplay of economic factors and geopolitical developments. The US dollar (USD) has faced downward pressure following a credit rating downgrade from Moody’s, stirring concerns about the US economy and its debt levels. Despite a brief recovery attributed to safe-haven flows, the dollar's value has fluctuated, particularly as investors remain wary of a possible recession. A trade agreement announced by US President Donald Trump with the UK has introduced further uncertainties, especially regarding tariffs that could impact international trade dynamics.

Read our full review of recent USD to HKD forecasts.

How to get a good USD to HKD exchange rate

There are several ways to save on exchange rates when converting US dollar to Hong Kong dollar:

Shop around for the best USD/HKD exchange rate: Exchange rates can vary significantly between different currency exchange providers, so it's important to compare rates from different sources before making a conversion.
Timing is important: Keep an eye on the USD/HKD rate on currency markets, as exchange rates can fluctuate frequently. Try to make your transactions when the exchange rate is in your favor. You can do this easily with our BER Smart Rate Tracker.
Use a credit/debit or travel card that doesn't charge foreign transaction fees: Some credit cards charge additional fees for transactions made in a foreign currency, so it's important to check with your card issuer to see if they charge these fees and what their exchange rate is.
Use a multi-currency account: Having a multi-currency account allows you to hold and transfer money in both USD and HKD at close to the interbank rate. It also allows you to make payments or withdrawals in the local currency while avoiding high conversion fees.
Buy currency in advance: If you know that you will need foreign currency in the future, consider buying it in advance when the exchange rate is favorable.

The key is reducing excessive costs and fees

Generally speaking, if you are buying Hong Kong dollar with US dollar, then it's better for the USD/HKD exchange rate to be higher.

However working against you are the fees all foreign exchange providers charge for providing their service. These fees is usually contained within the exchange rate margin (or difference to the mid-rate).

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.

Read our Currency guide to Hong Kong — a practical currency and money guide to travel in Hong Kong plus living and doing business with the Hong Kong dollar.

It's worth noting that while these tips can help you save on exchange rates, it's important to be aware that no single method is guaranteed to provide the best exchange rate in every situation, and it may require some research and comparison-shopping to find the best option for your specific needs.

Compare Rates

Will the US dollar rise against the Hong Kong dollar?

It is almost impossible to predict what an exchange rate will do in the future, the best approach is to monitor the currency markets and transact when an exchange rate moves in your favour.

To help with this you can add USD/HKD to your personalised Rate Tracker to track and benefit from currency movements.

Manage Tracker

Rather than requiring you to set a target rate, our Rate Alerts keep you informed of recent trends and movements of currency pairs.

Add rates to your Rate Tracker and select to receive an daily email (mon-fri) or when a rate is trending

Currency Country Guides

United States (USD)

Hong Kong (HKD)

How is the expat life in Hong Kong?

Expat life in Hong Kong can be both exciting and challenging. Hong Kong is a vibrant and fast-paced city with a rich culture, history, and a mix of modern and traditional influences. It is also a major financial and business hub in Asia.

One of the main benefits of expat life in Hong Kong is the high standard of living and the availability of amenities and services. The city has a wide range of international schools, hospitals and medical facilities, supermarkets, and other amenities catering to expats.

Hong Kong is also known for its excellent transportation system, making it easy to navigate and commute around the city.

However, the cost of living in Hong Kong is quite high, especially for housing. The city has some of the most expensive real estate in the world and finding affordable housing can be a challenge for expats.

The city is also known for its fast-paced lifestyle and high stress levels, which can be challenging for some people. The air pollution and noise pollution can also be an issue.

Additionally, Hong Kong has a high population density and the city can feel crowded and congested. Some expats may find the city to be quite crowded and busy, which can be overwhelming.

The political situation in Hong Kong

The political situation in Hong Kong has been uncertain in recent years, which can be a concern for some expats. Protests and unrest have been taking place, and travelers should be aware of the situation and take precautions.

Overall, expat life in Hong Kong can be a rich and fulfilling experience, but it also has its challenges. Expats should be prepared for the high cost of living, fast-paced lifestyle, and the potential for political unrest.

Read more at our Hong Kong (HKD) country guide