You can convert Hong Kong dollars into US dollars or RMB for deposit.

If you hold an international credit card, you can withdraw cash (local currency) from ATMs in overseas countries or regions marked with "VISA", "PLUS", and "MasterCard". Overseas transactions are in accordance with the designated international card. For foreign currency settlement, when the currency withdrawn is different from the settlement currency of the card, currency conversion must be done according to the foreign exchange rate announced by the international organization on that day.

In China, you can only withdraw RMB first and then exchange it at an exchange point