The live Hong-Kong-dollar-to-euro rate, updated every minute. Book HKD→EUR with SummitFX on WhatsApp — we accept incoming HKD via SWIFT and settle EUR via SEPA or SEPA Instant.
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 EUR, or enter a target EUR 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 0.4–0.9% at SummitFX vs 2–4% at a UK high street bank. We'll always show the full breakdown before you book.
HKD/EUR is the mirror of EUR/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/EUR dynamics. European Central Bank versus Federal Reserve policy, eurozone and US inflation, 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 track USD almost exactly.
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 the euro.
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.
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 HKD/EUR (since HKD tracks USD). When the ECB is expected to tighten relative to the Fed, EUR strengthens against HKD.
Eurozone HICP: Harmonised inflation drives ECB rate expectations. Hot prints support EUR by raising rate-hold expectations; soft prints weaken it.
German and French data: The two largest eurozone economies disproportionately drive the euro. German ZEW, Ifo, and industrial production prints, plus French PMIs and consumption data, all matter for HKD/EUR.
Eurozone sovereign spreads: Widening Bund-BTP, Bund-OAT, or Bund-Bono spreads signal eurozone fragmentation risk and tend to weaken EUR — pushing HKD/EUR higher.
EU political risk: Elections in major member states, fiscal-rule disputes, and anything that threatens eurozone cohesion adds a risk premium to the euro. EU-specific stress tends to push HKD/EUR higher through EUR weakness.
Hong Kong and the EU share one of the most active Asian financial corridors. Bilateral trade is worth around €55 billion annually, dominated by financial services, professional services, electronics, luxury goods, and re-exports of Chinese-origin manufacturing. Hong Kong remains a major source of European investment capital — Hong Kong-based family offices and fund managers are significant holders of European real estate, blue-chip equities, and luxury sector positions. The 2021 BNO visa scheme has primarily directed HK migration to the UK, but EU-bound migration also exists, particularly to Germany, France, the Netherlands, and Portugal where pathway visas exist.
HKD→EUR settles in two legs: your HKD arrives via SWIFT, we convert, and we pay out EUR via SEPA or SEPA Instant. Time-zone alignment matters — Hong Kong is 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→EUR transfers to miss same-day settlement:
Late HKD arrival in UK time. Our cutoff is 11:00 UK time for same-day EUR 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 €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.
Eurozone or Hong Kong holidays. If TARGET2 is closed for an EU-wide holiday, EUR settlement is delayed. 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 EUR deadlines — eurozone property completions, supplier invoices, tax obligations — book the day before and let the conversion settle overnight. Forward contracts are particularly valuable for HK migrants planning EU property purchases over the months ahead, locking the HKD/EUR rate against currency moves during their move.
HKD/EUR is the corridor for Hong Kong residents and businesses with meaningful euro obligations. Hong Kong's role as a global financial hub generates substantial outbound EUR flow. Common use cases:
HK buyers — both private individuals and institutional players — purchasing European property in countries with welcoming visa or investor pathways: Portugal (Golden Visa though now reformed), Greece, Spain, plus prime-market purchases in Paris, Berlin, the Côte d'Azur. European conveyancing typically runs 2-4 months; forward contracts protect deal economics from currency moves during that window.
Hong Kong residents migrating to EU member states under skilled-worker, family reunification, or investor pathways. While the BNO scheme directs most HK migration to the UK, meaningful flows go to Germany, France, the Netherlands, and Portugal. 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 European real estate, blue-chip equities, and credit. Hong Kong's role as a financial hub means significant EUR-denominated institutional positions, with regular rebalancing flow.
Hong Kong entities paying European consultancies, law firms, asset managers, and financial advisers in EUR. The reverse-direction flow generated by Hong Kong's role as Asia-Pacific regional hub for European firms.
Hong Kong families with children at European boarding schools or universities, particularly in Switzerland (handled via HKD/CHF), Germany, France, and the Netherlands. Predictable termly payment schedules suit forwards or rate alerts.
Hong Kong residents drawing European pension income, EU-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 euros 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 euros. 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/EUR moves track USD/EUR almost exactly — eurozone and US inflation, ECB 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/EUR direction. Rate alerts let you set a target level and wait passively rather than guessing on macro.
Hong Kong and European banks typically mark up HKD/EUR by 2–4% for retail customers. SummitFX spreads are 0.4–0.9% depending on size. On a HKD 5,000,000 migration or property transfer (~€575,000), the saving versus a bank can run from €8,500 to €20,000.
If your HKD arrives with us by 11:00 UK time on a UK business day, we settle the EUR the same day. SEPA delivery is typically a few hours; SEPA Instant credits within seconds. Send your HKD wire in the Hong Kong morning to give the best chance of same-day European 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 European property purchases. European conveyancing typically runs 2-4 months during which HKD/EUR can move several percent (because USD/EUR 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 (~€5,500) the spread widens slightly to cover fixed execution costs. For recurring smaller payments to European 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 0.5–0.9%, SummitFX 0.4–0.9% — 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 European property purchases, we typically recommend forward contracts to lock in the HKD/EUR rate against move-period currency volatility.
Message us on WhatsApp and we'll have a live executable rate back in seconds.