The live Hong-Kong-dollar-to-Australian-dollar rate, updated every minute. Book HKD→AUD with SummitFX on WhatsApp — we accept incoming HKD via SWIFT and settle AUD via SWIFT to your Australian recipient bank.
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 HKD amount to see what you'd get in AUD, or enter a target AUD amount to see how many Hong Kong dollars 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 0.5–1.0% at SummitFX vs 2–4% at a UK high street bank. We'll always show the full breakdown before you book.
HKD/AUD is the mirror of AUD/HKD — read from the Hong Kong side. Because HKD is pegged to USD within a tight band (7.75-7.85), the pair effectively moves on USD/AUD dynamics. RBA versus Federal Reserve policy, Australian commodity prices, China demand, and global risk sentiment dominate. The Hong Kong Monetary Authority defends the peg through automatic intervention, meaning HK rates effectively track US rates and HKD movements against AUD reflect USD/AUD movements.
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). The Hong Kong Monetary Authority defends the band through automatic intervention. The peg has held continuously since 1983 (with the current band system since 2005).
Federal Reserve policy (via HKMA): Because the HKMA maintains the USD peg, Hong Kong rates effectively track Fed rates. Fed decisions, FOMC statements, and the quarterly dot plot all directly affect HKD rates and the dollar's USD-derived movements against AUD.
Hong Kong-mainland China 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, and PBoC liquidity operations all affect HKD market dynamics within the peg band.
HKMA reserves and intervention: The HKMA holds over USD 400 billion in foreign exchange reserves accumulated through years of peg defence. Aggregate balance changes are watched for clues to intervention activity. The peg's credibility is rooted in these substantial reserves.
Hong Kong-specific capital flows: BNO migration outflows (since 2021), inbound mainland Chinese investment, IPO and corporate finance activity, and Asia-Pacific institutional rebalancing all generate HKD-related flows. While the peg constrains HKD movement, these flows can affect intervention frequency.
Reserve Bank of Australia policy: The RBA sets Australian interest rates and meets monthly except January. The cash rate is the dominant AUD driver. The RBA-Fed policy gap drives HKD/AUD because HKD tracks USD.
Commodity prices: Australia is heavily commodity-dependent. Rising commodity prices typically support AUD; falling prices weigh on it. The Chinese property sector's iron ore demand is a major input.
China data: China is Australia's largest trading partner. Chinese PMI, industrial production, and stimulus announcements often move AUD more than Australian domestic data. HKD/AUD is uniquely China-exposed because Hong Kong is the China gateway.
Australian labour and inflation: Monthly employment prints and quarterly CPI are key. Tight labour market readings combined with sticky inflation tend to support the Aussie by raising rate-hike expectations.
Risk sentiment: AUD is the textbook risk-on currency. In stress episodes capital flees to USD safe-haven status — pushing HKD/AUD higher because HKD tracks USD and AUD weakens on commodity sell-offs.
Hong Kong and Australia share strong commercial and migration ties given Hong Kong's role as the Asia-Pacific financial hub and Australia's position as a major destination for Hong Kong migrants. Bilateral trade is worth around A$15 billion annually across goods and services. Hong Kong is a major source of Australian property buyers (particularly Sydney, Melbourne) and Australian university students. The 2021 BNO visa scheme has primarily directed HK migration to the UK, but Australia remains a significant destination for HK residents under skilled migration, family reunification, and investor visa programmes. Hong Kong-based asset managers and family offices hold substantial Australian assets through institutional channels.
HKD→AUD settles via SWIFT through our Australian correspondent network. Time-zone alignment matters — Hong Kong is 2-3 hours behind Sydney and 7-8 hours ahead of central Europe, so HK morning bookings reach the UK around mid-morning UK time, but afternoon HK bookings often arrive after our cutoff.
Three things most commonly cause HKD→AUD transfers to miss same-day settlement:
Late HKD arrival in UK time. Our cutoff is 11:00 UK time for same-day AUD settlement — early because we need conversion done while UK banks are processing actively. HKD wires sent from Hong Kong in the morning typically arrive in the UK by mid-morning UK time, but afternoon HK bookings often miss our cutoff. Plan to send from Hong Kong early in the local business day.
BNO-related and large-amount AML review. Inbound HKD transfers above A$100,000 equivalent or linked to migration applications, property purchases, or business setup may trigger AML review on our side, particularly for first-time senders. Standard delays are 30 minutes to 2 hours; longer reviews can occur for very large transfers requiring source-of-funds documentation.
Australian or Hong Kong holidays. If Australian banks are closed (Australia Day, Anzac Day, Queen's Birthday), AUD wires won't post. If HK banks are closed (Lunar New Year, Ching Ming, Mid-Autumn, etc.), your HKD wire won't be initiated. Plan around both calendars when settlement timing is critical — Hong Kong has a distinctive holiday set including Buddhist and Chinese cultural observances.
For tight AUD deadlines — Australian property completions, supplier invoices, business obligations — book the day before and let the conversion settle overnight. Forward contracts are particularly valuable for HK migrants planning Australian property purchases over the months ahead, locking the HKD/AUD rate against currency moves during their move.
HKD/AUD is the corridor for Hong Kong residents and businesses with meaningful AUD obligations. Hong Kong's role as Asia-Pacific financial hub plus migration flow generate substantial outbound AUD demand. Common use cases:
HK buyers — both private individuals and institutional players — purchasing Australian property in Sydney, Melbourne, Brisbane, and Gold Coast. Hong Kong has historically been a top-five source of foreign buyers for Australian residential property. Australia has Foreign Investment Review Board restrictions on residential property — understand the rules before committing. Forward contracts protect deal economics from currency moves during the typical 6-12 week conveyancing window.
Hong Kong residents migrating to Australia under skilled-worker, family reunification, or investor pathways. While the BNO scheme directs most HK migration to the UK, Australia remains a meaningful destination given established Hong Kong-Australian community ties and visa pathways. These are typically large one-off transfers — savings, MPF lump sums, property sale proceeds — where broker spreads make a meaningful difference.
Hong Kong-based asset managers, family offices, and institutional investors allocating to Australian government bonds, ASX-listed equities, infrastructure, and commercial real estate. Hong Kong's role as a financial hub means significant AUD-denominated institutional positions, with regular rebalancing flow.
Hong Kong entities paying Australian consultancies, mining services firms, law firms, and educational institutions in AUD. The reverse-direction flow generated by Hong Kong's role as Asia-Pacific regional hub for Australian firms.
Hong Kong families with children at Australian boarding schools or universities (University of Sydney, Melbourne, ANU, UNSW, Monash). Predictable termly payment schedules suit forwards or rate alerts. The Hong Kong-Australian student corridor is well-established and substantial.
Hong Kong residents drawing Australian pension income, Australia-bound migrants transferring MPF accumulations, or dual residents managing pension entitlements across both jurisdictions. Regular monthly conversions and one-off lump sums both benefit from broker spreads.
You can convert Hong Kong dollars to Australian dollars through your bank, through a transfer app, or through a broker. HKD is moderately liquid but bank markups remain wide for retail customers, particularly for the larger transfers that characterise this corridor's institutional and migration flows.
Everything clients typically ask about sending Hong Kong dollars to Australian dollars. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
Because 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, and HKMA reserves of over USD 400 billion make the peg highly credible. In practice HKD trades very close to the band centre, so HKD/AUD moves track USD/AUD almost exactly — Australian commodity prices, China demand, RBA versus Fed policy, and global risk sentiment dominate.
We never forecast — but the chart above puts today's rate in context. Because HKD tracks USD, the question is really about USD/AUD direction. Rate alerts let you set a target level and wait passively rather than guessing on macro.
Hong Kong and Australian banks typically mark up HKD/AUD by 2–4% for retail customers. SummitFX spreads are 0.5–1.0% depending on size. On a HKD 5,000,000 migration or property transfer (~A$1,000,000), the saving versus a bank can run from A$15,000 to A$30,000.
If your HKD arrives with us by 11:00 UK time on a UK business day, we settle the AUD the same day. SWIFT delivery to Australian recipient banks typically takes a few hours. Send your HKD wire in the Hong Kong morning to give the best chance of same-day Australian settlement — this corresponds to UK overnight, so the wire is typically arriving as the UK business day starts.
Yes — and we strongly recommend it for HK migrants planning Australian property purchases. Australian conveyancing typically runs 6 weeks to 3 months during which HKD/AUD can move several percent (because USD/AUD can move several percent). A forward contract fixes today's rate for delivery on completion day. You pay a deposit (5–10% of the trade) upfront and settle the balance at completion.
No hard minimum — we handle trades from HKD 5,000 to HKD 50m+. Below around HKD 50,000 (~A$10,000) the spread widens slightly to cover fixed execution costs. For recurring smaller payments to Australian family or for ongoing remittance, 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 0.7–1.0%, SummitFX 0.5–1.0% — with our clients also getting a named dealer and WhatsApp access.
Yes — large lump-sum migration transfers typically require AML and source-of-funds documentation. We work proactively with migrating clients to pre-clear paperwork (MPF statements, Hong Kong property sale contracts, employment income records) before the transfer is initiated, avoiding delays at settlement. For migrants planning Australian property purchases, we typically recommend forward contracts to lock in the HKD/AUD rate against move-period currency volatility.
Message us on WhatsApp and we'll have a live executable rate back in seconds.