The live Hong-Kong-dollar-to-pound rate, updated every minute. Book HKD→GBP with SummitFX on WhatsApp — we accept incoming HKD via SWIFT and settle GBP via UK Faster Payments.
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 GBP, or enter a target GBP 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/GBP is the mirror of GBP/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/GBP dynamics. Bank of England versus Federal Reserve policy, UK 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 other currencies.
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.
Bank of England policy: The BoE's MPC sets UK interest rates (3.75% in early 2026). The BoE-Fed policy gap is the dominant driver of HKD/GBP (since HKD tracks USD). Higher UK rates relative to the Fed weigh on HKD/GBP.
UK CPI: Hot UK CPI supports sterling by delaying BoE cuts. Wage growth data is especially important to the MPC. Both releases can move the pair meaningfully on the day.
UK PMIs and GDP: Growth surveys and quarterly GDP prints are watched for evidence of UK economic momentum. Strong UK data tends to push HKD/GBP lower (sterling stronger).
UK political risk: Leadership changes, confidence votes, and fiscal credibility events add a risk premium to sterling. Periods of UK political calm tend to support sterling against the HK dollar (and dollar).
USD risk-off flows: In global stress episodes USD strengthens broadly as the world's reserve currency, dragging HKD with it and pushing HKD/GBP higher. The peg makes HKD a passive participant in dollar safe-haven flows.
Hong Kong and the UK share one of the most active Asian financial corridors. Bilateral trade is worth around £18 billion annually, with strong flows in financial services, professional services, and luxury goods. The corridor's defining recent feature is the BNO visa scheme — launched in January 2021, this has enabled approximately 200,000+ Hong Kong residents to migrate to the UK, generating massive HKD→GBP flow. Hong Kong remains a major source of UK property buyers (particularly in London, Manchester, and university towns), and Hong Kong-based institutional investors are significant holders of UK assets across equities, fixed income, and commercial real estate.
HKD→GBP settles in two legs: your HKD arrives via SWIFT, we convert, and we pay out GBP via UK Faster Payments. Time-zone alignment matters — Hong Kong is 7-8 hours ahead of the UK, 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→GBP transfers to miss same-day settlement:
Late HKD arrival in UK time. Our cutoff is 11:00 UK time for same-day GBP 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 BNO migration 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. We work proactively with BNO clients to pre-clear documentation.
UK or Hong Kong bank holidays. If UK banks are closed, Faster Payments may post the following business day. 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 GBP deadlines — UK property completions, HMRC payments, BNO settlement-of-affairs payments — book the day before and let the conversion settle overnight. Forward contracts are particularly valuable for BNO migrants planning UK property purchases over the months ahead, locking the HKD/GBP rate against currency moves during their move.
HKD/GBP is the corridor for Hong Kong residents and businesses with meaningful sterling obligations. The BNO visa scheme has made this one of the most active Asian-UK corridors in the world. Common use cases:
Hong Kong residents migrating to the UK under the BNO visa scheme transferring lifetime savings, MPF (Mandatory Provident Fund) lump sums, and proceeds from Hong Kong property sales. These are typically large one-off transfers where broker spreads vs bank spreads make a meaningful difference — often £10,000+ in savings on a single move.
HK buyers — both BNO migrants and continuing HK residents — purchasing UK property. Particularly active in London, Manchester, Birmingham, Edinburgh, and university towns. UK conveyancing typically runs 8–12 weeks; forward contracts protect deal economics from currency moves during that window.
Hong Kong families with children at UK boarding schools, universities, or living in the UK. Predictable termly payment schedules suit forwards or rate alerts. Tuition fees, living expenses, and property costs all flow through this corridor — a long-established pattern that has expanded with BNO migration.
Hong Kong entities paying UK consultancies, law firms, asset managers, and financial advisers in GBP. Hong Kong's role as a major financial centre means many UK firms invoice HK-based corporate clients regularly.
Hong Kong residents holding UK-listed stocks, UK property, or UK fixed income. Topping up brokerage accounts or paying property expenses requires regular HKD-to-GBP conversion. The substantial Hong Kong institutional holdings of UK gilts and corporate bonds also flow through this corridor in larger volumes.
Hong Kong residents drawing UK pension income, BNO 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 pounds 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 large-amount BNO migration transfers that have characterised this corridor since 2021.
Everything clients typically ask about sending Hong Kong dollars to pounds. 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/GBP moves track USD/GBP almost exactly — UK and US inflation, BoE 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/GBP direction. Rate alerts let you set a target level and wait passively rather than guessing on macro.
Hong Kong and UK banks typically mark up HKD/GBP by 2–4% for retail customers. SummitFX spreads are 0.4–0.9% depending on size. On a HKD 5,000,000 BNO migration transfer (~£500,000), the saving versus a bank can run from £7,500 to £17,500 — meaningful on top of the move costs.
If your HKD arrives with us by 11:00 UK time on a UK business day, we settle the GBP the same day. UK Faster Payments post within minutes to most UK accounts. Send your HKD wire in the Hong Kong morning to give the best chance of same-day UK 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 BNO migrants planning UK property purchases. UK conveyancing typically runs 8–12 weeks during which HKD/GBP can move several percent (because USD/GBP 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 (~£5,000) the spread widens slightly to cover fixed execution costs. For recurring smaller payments to UK 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 BNO migration transfers typically require AML and source-of-funds documentation. We work proactively with BNO 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 BNO migrants planning UK property purchases, we typically recommend forward contracts to lock in the HKD/GBP rate against move-period currency volatility.
Message us on WhatsApp and we'll have a live executable rate back in seconds.