Money, tipping & payments

Hong Kong's currency is the Hong Kong dollar (HKD), pegged to the US dollar within a narrow trading band, which makes it one of the more stable currencies to budget against for US-dollar earners.

Cash vs cards vs Octopus

Cards are widely accepted at hotels, malls and larger restaurants, but many smaller restaurants, market stalls and older shops remain cash-only or cash-preferred. The Octopus card, beyond transport, is also accepted at convenience stores, supermarkets and many small eateries, making it worth keeping topped up even for non-transport spending.

Tipping

Tipping is not deeply embedded in local culture, but a 10% service charge is standard on restaurant bills — check whether it's already included before adding more. Rounding up is appreciated for taxis but not expected; hotel porters and housekeeping are the main exception, where a small tip is customary in line with broader international hotel norms.

Currency exchange

Rates at licensed money changers (particularly around Tsim Sha Tsui and Central) are usually better than airport counters or hotels — comparing two or three nearby changers before committing to a larger exchange is common practice.