Hong Kong Bank Exchange Rates Today: HSBC, Bank of China (Hong Kong) and the HKAB Rate Compared

Three sets of Hong Kong dollar rates matter to a business that receives or pays foreign currency: the official Hong Kong Association of Banks (HKAB) table set each morning, and the board rates of the bank that will actually convert the money. This page compares them on one day and shows how to pull the same comparison whenever you need it.

Buying and selling rates on 11 November 2026

Hong Kong dollars per one unit of foreign currency. Bank figures are the telegraphic transfer buying and selling rates on each bank's own website; HKAB figures are that morning's official table.

The HKAB table is set once at the opening of business. The bank boards were read later in the trading day and move through it, so differences in level partly reflect the hours between the two readings.

Spreads

The gap between a bank's buying and selling rate, as a percentage of the middle rate:

Two things stand out. The US dollar spread is the narrowest everywhere, as expected for a currency the Hong Kong dollar is linked to. And the HKAB table is wider than either bank on most other currencies: HKAB itself notes that member banks normally quote finer rates for commercial transactions.

Which rate is for what

• Rules that name a rate. The duty on dutiable goods and cross-boundary cash declarations use the HKAB selling rate. See where Hong Kong law names the HKAB rate.
• Tax returns. Salaries tax uses a buying rate for income and a selling rate for expenses; the Inland Revenue Department posts averages. See the salaries tax guide.
• Books and closing. A single official series applied every period: the HKAB middle rate or the HKMA daily figures.
• Converting money. Your own bank's board rate, or the rate it actually applied, which a treasury team will usually negotiate below the board.

Pull the comparison from the API

# all covered Hong Kong banks, with the gap to the official rate
curl "https://allratestoday.com/api/open/bank-rates/hk"

# one bank, one currency
curl "https://allratestoday.com/api/open/bank-rates/hk/hsbchk?ccy=USD"

# the official HKAB table
curl "https://allratestoday.com/api/open/central-bank/hkab"

# live mid-market USD/HKD, refreshed every 60 seconds
curl "https://allratestoday.com/api/v1/rates?source=USD&target=HKD" \
  -H "Authorization: Bearer YOUR_API_KEY"

Each bank response carries the time the bank last updated its board, the buying, selling and middle rates and the spread. Bank board rates are what each bank shows on its own website at capture time; they change through the day and are not official rates. The live rate needs a free API key.

Reading the table for a real payment

A company receiving EUR 500,000 and converting at the board would have got HKD 4,313,650 at HSBC and HKD 4,321,635 at Bank of China (Hong Kong) on these figures, a difference of about HKD 8,000. The middle of the HKAB table values the same receipt at HKD 4,381,375. The gap between a board rate and a middle rate is the cost a treasury team is negotiating over.

FAQ

Which Hong Kong banks does the API cover?

HSBC Hong Kong and Bank of China (Hong Kong), each with telegraphic transfer buying and selling rates read from the bank's own website several times a day.

How do bank rates differ from the HKAB rate?

The HKAB table is set once at the opening of business and is the rate certain Hong Kong ordinances name. Bank board rates move through the day and are the starting point for an actual conversion.

Why is the USD spread so narrow in Hong Kong?

The Hong Kong dollar is kept within a band of HK$7.75 to 7.85 to one US dollar under the Linked Exchange Rate System, so banks carry little price risk on that pair.

Are bank board rates official rates?

No. They are retail rates shown on each bank's website and change through the day. For a rate a rule names, use the HKAB or HKMA tables.