The live euro-to-Hong-Kong-dollar rate, updated every minute. Book EUR→HKD with SummitFX on WhatsApp — same-day HKD settlement when you transact during the European morning.
Use the tabs to view the last week, month, year, or five years of daily closing rates. The shaded band shows the high-low range for the period — a quick visual read on volatility.
Type in either box — enter a EUR amount to see what you'd get in HKD, or enter a target HKD amount to see how many euros you'd need. Calculated at the live mid-market rate shown above.
Note: The rate shown is the live mid-market rate. Your actual executable rate includes a small spread — typically 0.4–0.9% at SummitFX vs 2–4% at a UK high street bank. We'll always show the full breakdown before you book.
EUR/HKD moves on EUR/USD dynamics because the Hong Kong dollar is pegged to the US dollar within a tight band of 7.75-7.85 HKD per USD, maintained by the Hong Kong Monetary Authority since 2005 (with the underlying peg structure dating to 1983). The HKMA defends this band through automatic intervention at the limits and reserves of over USD 400 billion. In practice, HKD trades very close to the band centre, meaning EUR/HKD effectively reflects EUR/USD movements — eurozone and US economic data, ECB versus Fed policy, and global risk sentiment dominate.
European Central Bank policy: The ECB sets eurozone interest rates (deposit rate 2.0% in early 2026). The ECB-Fed policy gap is the dominant driver of EUR/HKD (because HKD tracks USD). When the ECB tightens relative to the Fed, EUR strengthens against HKD and vice versa.
Eurozone HICP: Harmonised inflation drives ECB rate expectations. Hot CPI prints support EUR by raising rate-hold expectations; soft prints weaken it. EUR/HKD moves on EUR data because HKD is passively driven by USD.
German and French data: The two largest eurozone economies disproportionately drive the euro. German ZEW, Ifo, and industrial production prints, plus French PMIs, are the most-watched eurozone indicators for EUR/HKD.
Eurozone sovereign spreads: Bund-BTP, Bund-OAT, and Bund-Bono spreads signal eurozone fragmentation risk. Widening spreads tend to weaken EUR against most currencies including HKD.
EU political risk: Elections in major member states, fiscal-rule disputes, and anything that threatens eurozone cohesion adds a risk premium. EU-specific stress tends to push EUR/HKD lower as EUR weakens.
USD peg within 7.75-7.85 band: HKD is pegged to USD within a band of 7.75 (strong side) to 7.85 (weak side), with intervention automatic at the limits. The peg has been in place since 1983 (with the band system since 2005) and the HKMA defends it through guaranteed convertibility and aggressive intervention. The peg has held through multiple major stress events.
Federal Reserve policy: Because the HKMA maintains the USD peg, Hong Kong rates effectively track Fed rates. Fed rate decisions, FOMC statements, and the dot plot all directly affect HKD rates and the dollar's USD-derived movements against EUR.
Hong Kong-China financial integration: Hong Kong's role as the gateway between mainland China and global financial markets generates significant capital flow. Stock Connect, Bond Connect, IPO activity by Chinese companies in Hong Kong, and PBoC liquidity operations all affect HKD market dynamics within the peg band.
HKMA reserves: The HKMA holds enormous foreign exchange reserves (over USD 400 billion) accumulated through years of peg defence. These reserves are the technical mechanism for guaranteeing the peg. Markets watch HKMA aggregate balance changes for clues to recent intervention activity.
Capital flow dynamics: Hong Kong is a major financial centre with constant capital inflows and outflows from IPOs, mergers, mainland Chinese investment, and Asia-Pacific institutional rebalancing. While the peg constrains HKD movement, these flows can affect short-term dynamics within the band and HKMA intervention frequency.
Hong Kong and the EU share strong trade and investment ties, with Hong Kong serving as both a major destination market for European goods and as a gateway to mainland China. Bilateral trade is worth around €55 billion annually, with EU exports including German machinery, French luxury goods, Italian fashion, and Dutch agricultural products, and Hong Kong exports including electronics, apparel, and re-exports of Chinese-origin goods. Beyond trade, the corridor carries significant institutional flow — Hong Kong-based fund managers and family offices hold substantial European assets; European multinationals maintain regional headquarters in Hong Kong covering Asia-Pacific operations. The 2021 BNO visa scheme (UK-focused) has redirected some HK migration flow to the UK, but EU-bound migration also exists particularly to Germany, France, the Netherlands, and Portugal.
Hong Kong is 7-8 hours ahead of central Europe and 7-8 hours ahead of the UK. To get same-day HKD delivery, the conversion needs to happen during European morning so the Hong Kong banking day is still active. By European afternoon, Hong Kong banking has typically wound down for the day.
Three things most commonly cause EUR→HKD transfers to slip past same-day:
Late EUR funding. Our cutoff is 12:00 UK time for same-day HKD settlement — earlier than EUR-USD or EUR-CAD because Hong Kong banks close in the European morning. SEPA Credit Transfer typically takes a few hours bank-to-bank; SEPA Instant credits within seconds. Initiate the EUR transfer the day before or early morning to ensure EUR arrives in time.
AML and source-of-funds review. Hong Kong banks apply rigorous AML checks, particularly for new beneficiary relationships, larger amounts, or business-related transfers. Standard delays are 30 minutes to 2 hours; longer reviews can occur for first-time large transfers, especially those linked to property purchases, business setup, or institutional flows.
Hong Kong public holidays. Hong Kong observes a mix of public holidays including Lunar New Year (multi-day in late January or February), Ching Ming, Buddha's Birthday, Tuen Ng (Dragon Boat), Mid-Autumn, Chung Yeung, and standard Christmas/New Year periods. HK holidays close HKD payment systems entirely. Eurozone-only holidays don't affect HKD outbound, but HK holidays do.
For tight HKD deadlines — Hong Kong property completions, business setup payments, school fee deadlines — book the day before to allow buffer for AML review and time-zone alignment. Forward contracts work well for Hong Kong corridor flow given EUR/HKD's EUR/USD-linked volatility.
EUR/HKD is the corridor for eurozone residents and businesses with meaningful Hong Kong-dollar obligations, plus anyone with Hong Kong property, family, or business interests. Common use cases:
European firms with Hong Kong subsidiaries — particularly in financial services, law, consultancy, luxury retail, and trading — funding HK operations, paying staff, or settling HK-side supplier invoices. Many European multinationals use Hong Kong as their Asia-Pacific regional headquarters, generating recurring EUR-HKD flow.
European luxury houses (LVMH, Hermès, Richemont, Kering) receiving HKD revenue from Hong Kong sales — Hong Kong is one of the most important Asian luxury markets. Repatriating HKD receipts to EUR or topping up Hong Kong inventory financing makes a meaningful margin difference at the volumes involved.
European buyers purchasing Hong Kong property — relatively rare but increasing as HK property prices have softened from their peak. HK property purchases by foreigners face the Buyer's Stamp Duty (BSD) plus other charges; budget carefully and consider forward contracts to fix the EUR cost.
European families with children studying at Hong Kong universities (HKU, CUHK, HKUST). Predictable termly payment schedules suit forward contracts. The reverse — Hong Kong families with children at European schools — generates the larger HKD→EUR flow.
European consultancies, law firms, banks, and engineering firms invoicing Hong Kong clients in HKD. Hong Kong's role as the gateway to mainland China means many EU-based firms have HK-denominated billing for Asia-Pacific work.
European pensioners with Hong Kong residence managing European pension drawdown alongside HK living costs. Regular conversions of EUR pension income to HKD at favourable rates rather than letting bank markups erode each transfer.
You can convert euros to Hong Kong dollars through your bank, through a transfer app, or through a broker. HKD is one of the more-traded Asian currencies but bank markups remain wide for retail customers, making broker access valuable.
Everything clients typically ask about sending euros to Hong Kong dollars. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
The Hong Kong dollar is pegged to the US dollar within a tight band of 7.75-7.85 HKD per USD. The Hong Kong Monetary Authority defends this band through automatic intervention at the limits — buying HKD if it weakens past 7.85, selling HKD if it strengthens past 7.75. The peg has held since 1983 (with the band system since 2005), and HKMA reserves of over USD 400 billion ensure the peg's credibility. In practice, EUR/HKD moves almost entirely on EUR/USD dynamics.
We never forecast — but the chart above puts today's rate in context. Because HKD tracks USD (within the narrow peg band), the question is really about EUR/USD direction. If EUR/HKD is near its 30-day high, you're getting more HK dollars per euro than the monthly average. Rate alerts let you set a target and wait passively.
European and HK banks typically mark up EUR/HKD by 2–4% for retail customers. SummitFX spreads are 0.4–0.9% depending on size. On a €200,000 corporate transfer that's a saving of €3,000–€7,000 in your favour.
Book and fund by 12:00 UK time on a business day and HKD typically lands in your beneficiary's HK account the same HK business day. The early UK cutoff exists because Hong Kong banks close during our morning. Late UK bookings settle T+1.
Yes. A forward contract fixes today's rate for delivery up to 24 months ahead. You pay a deposit (typically 5–10% of the trade) upfront and settle the balance at delivery. Common for European businesses with scheduled HK supplier payments, ongoing HK office costs, or planned Asia-Pacific business expansion expenses.
No hard minimum — we handle trades from €500 to €5m+. Below around €5,000 the spread widens slightly to cover fixed execution costs. For recurring smaller payments, market orders or standing arrangements work better than ad-hoc bookings.
The rate shown on Google, XE, or the chart above is the mid-market rate — the midpoint of interbank buy and sell quotes. Nobody gets exactly that rate; providers add a margin. Banks typically 2–4%, Wise 0.5–0.9%, SummitFX 0.4–0.9% — with our clients also getting a named dealer and WhatsApp access.
Hong Kong serves as the primary gateway between mainland China and global financial markets. Stock Connect and Bond Connect link Hong Kong with Shanghai and Shenzhen exchanges, and most Chinese companies seeking international capital list in Hong Kong rather than mainland exchanges. This makes Hong Kong's role for European firms strategic — many use HK subsidiaries to access mainland Chinese markets, generating recurring EUR-HKD flow that wouldn't exist if HK were a standalone economy.
Message us on WhatsApp and we'll have a live executable rate back in seconds.