Let's say I want to transfer 200GBP to someone as an example.

1. Use GBP with UK account with no fee

2. Use HKD via Instarem with a 15HKD fee

Seems pretty straightforward I go with option 1, but when does the weak GBP make a case for option 2?

I remember when the GBP was up to 16HKD to the pound. Now its around 10HKD to the pound.