Compare the real cost of sending Hong Kong Dollar to Chinese Yuan, shown for about HK$7,800.00 (roughly USD 1,000). Real provider quotes are ranked by the amount your recipient receives after every fee and margin; providers without a live quote are listed separately as estimates. Mid-market rate as of 2026-10-27: 1 HKD = 0.851986 CNY.
| Provider | Rate after margin | Flat fee (HKD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type | |
|---|---|---|---|---|---|---|---|---|
| InstaReMBest live quote | 0.850061 | HK$46.02 | — | 0.23% | ¥54.13 (0.81%) | ¥6,591.36 CNY | ● Live quote · 2026-10-27 | Send with InstaReM → |
| Hang Seng | 0.844897 | — | — | 0.83% | ¥55.29 (0.83%) | ¥6,590.20 CNY | ● Live quote · 2026-10-27 | |
| Wise (TransferWise) | 0.850153 | — | 1.30% | 0.22% | ¥100.43 (1.51%) | ¥6,545.05 CNY | ● Live quote · 2026-10-27 | Send with Wise → |
| HSBC HK | 0.844908 | HK$70.00 | — | 0.83% | ¥114.35 (1.72%) | ¥6,531.14 CNY | ● Live quote · 2026-10-27 | |
| China Construction Bank HK | 0.846195 | HK$100.00 | — | 0.68% | ¥129.78 (1.95%) | ¥6,515.70 CNY | ● Live quote · 2026-10-27 | |
| OCBC Wing Hang Bank | 0.844473 | HK$115.00 | — | 0.88% | ¥155.71 (2.34%) | ¥6,489.78 CNY | ● Live quote · 2026-10-27 | |
| Bank of East Asia | 0.847044 | HK$230.00 | — | 0.58% | ¥233.37 (3.51%) | ¥6,412.12 CNY | ● Live quote · 2026-10-27 | |
| OFX | 0.825456 | HK$60.00 | — | 3.11% | ¥256.46 (3.86%) | ¥6,389.03 CNY | ● Live quote · 2026-10-27 |
● Live quote = a real price collected 2026-10-27 06:39 UTC for about HK$7,800.00, via Wise's quote API (Wise) and Wise's public price-comparison data (other providers and banks). That feed is collected by Wise, which also competes with several of these providers; it reflects standard delivery and excludes first-transfer promotions, so your own quote may differ. Recipient gets = (amount − flat fee) × (1 − transfer fee) × rate after margin, where rate after margin = mid-market rate × (1 − FX margin). Total cost = what HK$7,800.00 is worth at the mid-market rate minus what the recipient gets. FX margin is measured against the mid-market rate shown above, so small negative values just mean a provider's rate was marginally better than our reference.
Not listed for senders in Hong Kong: Remitly, XE Money Transfer, TransferGo (not available from Hong Kong); WorldRemit, Western Union, MoneyGram, Ria Money Transfer, Paysend, Revolut, Xoom, Skrill (we have not been able to confirm they serve Hong Kong; they are added once confirmed).
Indicative only — verify before sending. Open the live comparator →
Alert me when 1 HKD buys X CNY or more. Today's mid-market rate: 1 HKD = 0.851986 CNY.
We email you a link to confirm first (double opt-in) and nothing is sent until you click it. The target is compared with the mid-market rate (updated once a day), which is not the rate a provider will give you — compare the amount received on this page. Not financial advice.
Transfers from Hong Kong to China are most commonly sent for cross-border business and trade. On a HK$7,800.00 transfer, the choice of provider can make a difference of ¥202.32 — money that disappears into fees and FX margin when you pick the wrong service.
The advertised exchange rate is rarely what you get. Most banks and transfer services quote a rate that includes a hidden FX margin of 0.5–4% above the mid-market HKD/CNY rate. That margin is often the largest single cost on a transfer, which is why FX Skipper deducts it before ranking and shows you what actually arrives in China.
Based on real provider quotes collected 2026-10-27 06:39 UTC for about HK$7,800.00, InstaReM gave the best result: your recipient receives about ¥6,591.36 (0.81% total cost). 8 providers had a live quote for this route. Quotes change daily — confirm with the provider before sending.
Among the live quotes, total cost ranges from about ¥54.13 to ¥256.46 — a difference of roughly ¥202.32 on a single transfer.
The mid-market rate is approximately 1 HKD = 0.851986 CNY as of 2026-10-27. Providers add an FX margin on top — the table shows each provider's effective rate after that margin is deducted.
Transfer times vary by provider, delivery method and corridor — from minutes for some bank transfers and cash pickups to one to three business days. We do not publish delivery times for this route because we have not verified them; check the speed estimate in the provider's own quote before you send.
It is safer when you use a licensed and regulated provider. FX Skipper compares prices but does not vet or endorse providers, so always confirm the provider holds a valid licence in Hong Kong and that the receiving method suits your recipient in China.
More from HKD:
More to CNY: