CAD to HKD

Canadian Dollar to Hong Kong Dollar: what you are looking at

This overview brings together the price relationship between Canadian Dollar (CAD) and Hong Kong Dollar (HKD), together with what real providers charge to convert one into the other. At the latest update on October 31, 2026, 1 CAD buys 5.6179 HKD, while a single HKD comes to 0.178003 CAD.

The figure at the top is the mid-market rate, sometimes called the interbank rate. It is the midpoint between what wholesale traders pay for CAD and what they ask for it. Treat it as a fair reference point: no fee or margin is built in, and that is why you rarely get it as a private customer.

What ends up on the HKD side depends on two things: a markup hidden in the exchange rate and any fixed or percentage fee. In the sections below we show how those costs are built up, look at what a conversion costs in practice and give concrete ways to get closer to the mid-market rate when converting CAD to HKD.

Where you pay with CAD and HKD

Canadian Dollar is the money you pay with in Canada. Hong Kong Dollar is used in Hong Kong SAR China. This matters if you travel, shop online abroad or support someone in another country.

There are plenty of everyday reasons to convert CAD to HKD: rent or a mortgage abroad, tuition fees, a salary paid in another currency, savings or a holiday. What suits one case may not suit another: a single big transfer benefits most from a sharp rate, while frequent smaller payments suffer more from flat charges.

The way money is paid out also differs per country. Depending on the country, you need an IBAN, a local account number or a mobile wallet, and in some places payout to a mobile wallet is the norm. Check which details the provider needs before you start.

Staying safe with bigger CAD to HKD transfers

Only use providers that are regulated. Look for authorisation from the FCA in the UK or the financial regulator in your own country. Regulation includes rules on keeping your money apart from the company’s own and that offers protection if the company fails.

Check names and account details twice. Mistakes are rarely fixed quickly with transfers abroad. Watch out for pressure, urgency or a last-minute change of account details: confirm by phone using a number you already know.

Big sums usually trigger extra verification. You may need to show proof of the source of funds, like a statement or a sales contract. Some providers lower their margin on request for larger customers. A rate lock, where offered, removes uncertainty while the money is on its way.

Bank transfer or money transfer service for HKD?

Your regular bank usually sends the money through SWIFT. Along the way one or more intermediary banks may handle it, sometimes taking a fee at each step. Expect anything from one to a few working days, and the final deduction is often only visible afterwards.

Many money transfer apps use a different model. They have local accounts on both sides, so no money physically crosses the border: you pay in locally and the recipient is paid out locally. The result tends to be quicker and less expensive, and you see exactly what will arrive before you confirm.

Speed is not down to the provider alone: how you pay, the time of day, cut-off times and bank holidays in both countries. New customers sometimes wait a little longer as the provider completes its checks. Finish verification in advance if the money has to arrive on a set date.

1,000.00 CAD to HKD, step by step

Take a transfer of 1,000.00 CAD. Converted at the pure mid-market rate (5.6179), that sum sets the ceiling for what any provider could deliver in HKD. No service pays out that exact figure, because margins and fees come off first.

Looking at all 8 providers we track, Revolut delivered the most, with 5,589.80 HKD in the end. Whatever is missing compared with the mid-market amount shows the true cost, fees and margin combined.

Note that rankings shift with the amount you send. A flat fee hurts most when the amount is small, while the margin in the rate becomes the bigger cost on larger transfers. Run your own figure through the converter for a ranking that fits your situation.

Paying less when you change CAD into HKD

Judge on what arrives, not on what is advertised. A low headline fee proves nothing when the margin is high. The number that matters is the amount received, and that already includes both the markup and the fee.

When you pay by card abroad, you may be asked whether to pay in CAD or in the local currency. That option is known as dynamic currency conversion, or DCC. It tends to be among the most expensive ways to convert. Pick the local currency so your bank or card issuer handles the exchange.

Timing can also matter. Some providers widen their margin at weekends, when currency markets are closed. If you are not in a hurry, you can set a target rate and let the provider convert only when it is reached. It saves you from checking the rate every day, but there is no guarantee the rate will get there.

Also check how you fund the transfer. A credit card may be treated as a cash advance by your card issuer, and funding by bank transfer tends to keep costs down. Bundling smaller transfers means fixed charges hit you fewer times.

Where the cost of converting CAD to HKD hides

Nearly every bank and app stay away from the mid-market rate as such. Instead they quote a slightly worse rate and earn on the difference. People call this the exchange rate margin. If the margin is 2%, then for every 100 CAD you convert, about 2 CAD worth disappears before the money arrives.

On top of the margin, most banks charge an explicit fee. This is usually a fixed amount per transfer, a percentage of the amount or a mix of both. On classic bank transfers abroad extra deductions can follow, which shrinks the amount that finally arrives.

Be wary of services that advertise free transfers. Free usually means the price is built into the exchange rate. The only fair way to compare is how much HKD the recipient ends up with for exactly the same sum, which is how the table above is sorted.

Why we compare total cost

Our starting point is the current mid-market rate. Each provider’s published fee and markup are applied on top, and work out how much HKD the recipient would end up with. The comparison covers 8 providers, ranked from most to least received.

We update the rates every 30 minutes, and the date on the page shows when the data was last updated. Providers confirm their own price at checkout, because their rate can move between our updates.

GoldexPay is independent. We may earn a commission through some links, which help pay for the site. They have no influence on the order: the provider that delivers the most HKD comes first, whether or not we have a link to it.

Canadian Dollar against Hong Kong Dollar: the last twelve months

Compared with a year ago, the price of CAD in HKD moved by +1.40%. During that year the rate peaked at 5.7734 HKD for one CAD, and the low point came in at 5.5028. At 5.6179, the rate today can be measured against those two levels.

The distance between the high and the low puts the movement into real terms. For a bigger amount, the moment of conversion matters in actual money, even when the fee stays the same.

The rate reflects interest rate decisions, inflation figures, trade flows and general market sentiment. We show the figures as they are and do not make predictions. If you want to act on a certain rate, a rate alert is a calmer option than trying to predict the market.