2025 HNL to SGD Historical Review

YEARLY HIGH

0.0540 SGD

YEARLY LOW

0.0485 SGD

YEARLY AVERAGE

0.0503 SGD

2025 HNL to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HNL to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.0540. Conversely, the yearly low was recorded on July 23, dropping to 0.0485.

This high-to-low spread represents a total annual volatility of 0.0055 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0535 to the December average rate of 0.0491, the exchange rate registered a net change of -8.26% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0540 was down 2.25% compared to the 2024 peak of 0.0553, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HNL based on timing:

Yearly Peak High 270 SGD

2024 Average 269 SGD

Yearly Trough Low 243 SGD

Transaction Impact: A difference of 27.61 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0539

0.0483

JanuMarcMayJulySeptNove

HNL to SGD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.0514, compared to 0.0491 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0023 points.

H1 Avg (Jan–Jun) 0.0514

H2 Avg (Jul–Dec) 0.0491

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0024 SGD (High: 0.0528 / Low: 0.0505). On the other end, November was the most stable month, with a tight range of 0.0005 SGD (High: 0.0497 / Low: 0.0493).

April Spread (Volatile) ±0.0024

November Spread (Stable) ±0.0005

Growth Streaks & Declines

Trends

Between July and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0015 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0535) against the same month in 2024 (average: 0.0541), the exchange rate shifted by -0.0006 (-1.18%).

2025 Avg (January) 0.0535

2024 Avg (January) 0.0541

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0540	0.0526	0.0535
February	0.0532	0.0519	0.0526
March	0.0530	0.0517	0.0521
April	0.0528	0.0505	0.0513
May	0.0505	0.0493	0.0498
June	0.0495	0.0485	0.0492
July	0.0493	0.0485	0.0488
August	0.0496	0.0486	0.0489
September	0.0494	0.0487	0.0491
October	0.0497	0.0492	0.0494
November	0.0497	0.0493	0.0495
December	0.0494	0.0485	0.0491