Compare the real cost of sending Hong Kong Dollar to US Dollar, 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 2026-10-28: 1 HKD = 0.127482 USD.
| Provider | Rate after margin | Flat fee (HKD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type | |
|---|---|---|---|---|---|---|---|---|
| InstaReMBest live quote | 0.127502 | HK$46.02 | — | −0.02% | $5.71 (0.57%) | $988.65 USD | ● Live quote · 2026-10-28 | Send with InstaReM → |
| Wise (TransferWise) | 0.127475 | — | 0.58% | 0.01% | $5.83 (0.59%) | $988.53 USD | ● Live quote · 2026-10-28 | Send with Wise → |
| Hang Seng | 0.127049 | HK$65.00 | — | 0.34% | $11.63 (1.17%) | $982.72 USD | ● Live quote · 2026-10-28 | |
| HSBC HK | 0.126954 | HK$70.00 | — | 0.41% | $13.00 (1.31%) | $981.35 USD | ● Live quote · 2026-10-28 | |
| China Construction Bank HK | 0.127078 | HK$100.00 | — | 0.32% | $15.86 (1.59%) | $978.50 USD | ● Live quote · 2026-10-28 | |
| OCBC Wing Hang Bank | 0.127218 | HK$115.00 | — | 0.21% | $16.69 (1.68%) | $977.67 USD | ● Live quote · 2026-10-28 | |
| OFX | 0.125381 | HK$60.00 | — | 1.65% | $23.91 (2.40%) | $970.45 USD | ● Live quote · 2026-10-28 | |
| Bank of East Asia | 0.12718 | HK$230.00 | — | 0.24% | $31.60 (3.18%) | $962.75 USD | ● Live quote · 2026-10-28 | |
| PayPal | 0.12235 | HK$38.99 | — | 4.03% | $44.80 (4.51%) | $949.56 USD | ● Live quote · 2026-10-28 |
● Live quote = a real price collected 2026-10-28 07:12 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 USD or more. Today's mid-market rate: 1 HKD = 0.127482 USD.
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 the United States are most commonly sent for business and investment. On a HK$7,800.00 transfer, the choice of provider can make a difference of $39.09 — 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/USD 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 the United States.
Based on real provider quotes collected 2026-10-28 07:12 UTC for about HK$7,800.00, InstaReM gave the best result: your recipient receives about $988.65 (0.57% total cost). 9 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 $5.71 to $44.80 — a difference of roughly $39.09 on a single transfer.
The mid-market rate is approximately 1 HKD = 0.127482 USD as of 2026-10-28. 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 the United States.
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