Amount
500,000 HKD to CNY
- Period high
- 0.917063
- 2025-10-22
- Period low
- 0.851941
- 2026-10-16
- Average
- 0.878256
- Daily volatility
- 0.14%
Sending 500,000 HKD: what each method costs
The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.
USDT on-chain
- Recipient gets
- 425,323.91 CNY
- Lost vs mid-market
- −646.47
- Total cost
- 0.15%
Wise
- Recipient gets
- 424,042.23 CNY
- Lost vs mid-market
- −1,928.15
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 415,137.72 CNY
- Lost vs mid-market
- −10,832.66
- Total cost
- 2.54%
PayPal
- Recipient gets
- 404,927.44 CNY
- Lost vs mid-market
- −21,042.94
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 425,323.91 CNY | −646.47 | 0.15% |
| Wise | 424,042.23 CNY | −1,928.15 | 0.45% |
| Bank wire (SWIFT) | 415,137.72 CNY | −10,832.66 | 2.54% |
| PayPal | 404,927.44 CNY | −21,042.94 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 20,396 CNY on this transfer.
WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.
Run team payouts with approvals