HKD to AED Exchange Rate & Bank Wire Fee Comparison (2026)
Convert Hong Kong Dollar (HKD) to UAE Dirham (AED). The live interbank midpoint rate is 1 HKD = 0.4717 AED. Compare hidden currency conversion spreads across major international wire systems.
HKD to AED Real-Time Calculator
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HKD to AED Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on HK$1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 HKD = 0.4717 AED | AED471.74 | Current Live Rate |
| 30 Days Ago | 1 HKD = 0.4699 AED | AED469.85 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 HKD = 0.4774 AED | AED477.40 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 HKD = 0.4618 AED | AED461.83 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 HKD = 0.4717 AED | AED471.74 | +0.0% vs Annual Baseline |
HKD to AED Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (UAEFTS / IBAN) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (UAEFTS / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Global FX Market Trading Sessions & Real-Time Liquidity Clock
Live status of the four major international interbank wholesale currency dealing desks (UTC standard).
ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.
Required Details to Wire HKD to AED
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
UAEFTS / IBAN
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
HKD vs AED: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
Hong Kong Dollar (HKD)
Hong Kong Monetary Authority (HKMA)
5.25%
Benchmark rate2.1%
Consumer pricesUAE Dirham (AED)
Central Bank of the UAE (CBUAE)
4.9%
Benchmark rate2.1%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Hong Kong Monetary Authority (HKMA), Central Bank of the UAE (CBUAE)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
HKD to AED: Purchasing Power Parity (PPP) & Inflation Simulator
Simulate real consumer purchasing power erosion across cumulative central bank CPI inflation lookbacks.
To match the domestic purchasing power of HK$1,000 from 2020, you need:
HK$1,258.26 HKD
Based on cumulative Hong Kong Monetary Authority (HKMA) CPI figures.
Converting that baseline principal today at current interbank spot (1 HKD = 0.4717 AED) yields:
AED471.74 AED
Without real purchasing power adjustment.
True purchasing power parity target in AED to preserve original basket consumption:
AED593.45 AED
Reflects bilateral real exchange rate parity.
Relative inflation differential between HKD and AED indicates historical purchasing power trajectory.
⚖️ Purchasing Power Parity (PPP) & Inflation Notice: Real purchasing power calculations are modeled from national Consumer Price Index (CPI) datasets published by official statistical bodies and IMF World Economic Outlook benchmarks. Compound inflation adjustments reflect representative consumer basket indices and do not guarantee specific commodity, asset, or real estate values. Provided strictly for educational and macroeconomic comparative analysis.
HKD to AED Historical Exchange Rate Chart
Real-time interbank rate trajectory across standard historical observation periods.
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AED0.4717
⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: HKD to AED
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
AED471.74
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
AED872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
AED887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
AED896.12
Physical cash pickup
Traditional Bank Wire Cost Itemization (HKD to AED)
See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.
Fixed outgoing international wire tariff charged by retail banks.
Charged by routing banks under standard SWIFT SHA/BEN clearing rules.
Typical 2.8% markup added on top of the interbank midpoint.
🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.
HKD to AED Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇭🇰 HKD to 🇦🇪 AED
1 HKD = 0.4717 AED| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| HK$1 HKD | AED0.47 AED | AED0.00 | -AED9.15 |
| HK$5 HKD | AED2.36 AED | AED0.00 | -AED9.21 |
| HK$10 HKD | AED4.72 AED | AED0.00 | -AED9.28 |
| HK$25 HKD | AED11.79 AED | AED2.28 | -AED9.51 |
| HK$50 HKD | AED23.59 AED | AED13.70 | -AED9.89 |
| HK$100 HKD | AED47.17 AED | AED36.53 | -AED10.64 |
| HK$250 HKD | AED117.94 AED | AED105.03 | -AED12.91 |
| HK$500 HKD | AED235.87 AED | AED219.19 | -AED16.68 |
| HK$1,000 HKD | AED471.74 AED | AED447.51 | -AED24.23 |
| HK$5,000 HKD | AED2,358.70 AED | AED2,274.09 | -AED84.61 |
| HK$10,000 HKD | AED4,717.41 AED | AED4,557.32 | -AED160.09 |
🇦🇪 AED to 🇭🇰 HKD (Reverse)
1 AED = 2.1198 HKD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| AED1 AED | HK$2.12 HKD | HK$0.00 | -HK$41.11 |
| AED5 AED | HK$10.60 HKD | HK$0.00 | -HK$41.38 |
| AED10 AED | HK$21.20 HKD | HK$0.00 | -HK$41.72 |
| AED25 AED | HK$53.00 HKD | HK$10.26 | -HK$42.74 |
| AED50 AED | HK$105.99 HKD | HK$61.56 | -HK$44.43 |
| AED100 AED | HK$211.98 HKD | HK$164.16 | -HK$47.82 |
| AED250 AED | HK$529.95 HKD | HK$471.95 | -HK$58.00 |
| AED500 AED | HK$1,059.90 HKD | HK$984.95 | -HK$74.96 |
| AED1,000 AED | HK$2,119.81 HKD | HK$2,010.93 | -HK$108.87 |
| AED5,000 AED | HK$10,599.04 HKD | HK$10,218.83 | -HK$380.21 |
| AED10,000 AED | HK$21,198.07 HKD | HK$20,478.69 | -HK$719.38 |
0.4717
1 HKD = AED0.4717
2.1198
1 AED = HK$2.1198
0.4529 - 0.4906
Annual volatility band
UAEFTS / IBAN
Clearing rail for AED