The local money changer was offering to buy 1 HKD for .880 RMB.
I checked google and the spot rate at the time was 0.880902804 RMB per HKD. So I think the local money changer gives a pretty good rate.
Overall I did the calculation... I paid 1137 HKD for 1000 RMB... if I went by the actual spot rate it would have cost 1135 HKD... so not even 2/10ths of 1 percent of a mark up!!
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