1. official website, Hong Kong takes the VISA international channel, and I asked Bank of Communications earlier that it is 1.75% (that is, the conversion fee for non-US dollar value), depending on what card you have, the charge should be available in China Merchants Bank official website

2. The bank you bought in official website will convert your Hong Kong dollars into US dollars at the real-time exchange rate. When you repay the loan, you need to go to the counter and exchange RMB for USD (there is no handling fee), and you can just return the US dollar directly. The bank sells the cash at the real-time selling price

3. After calculation, the handling fee is about RMB42, but if you want to ask a friend there to send it, there is something wrong with the courier. Because of the mobile phone, they want the company to send it to the company, and they also need to provide a commercial invoice, which means there may be tax risks. I originally thought so, because of the risks.