2026 HNL to SGD Historical Review

YEARLY HIGH

0.0488 SGD

YEARLY LOW

0.0476 SGD

YEARLY AVERAGE

0.0482 SGD

2026 HNL to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 28, valuing the pair at 0.0488. Conversely, the yearly low was recorded on February 11, dropping to 0.0476.

This high-to-low spread represents a total annual volatility of 0.0012 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0485 to the December average rate of 0.0482, the exchange rate registered a net change of -0.59% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.0488 was down 9.58% compared to the 2025 peak of 0.0540, 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 244 SGD

2025 Average 251 SGD

Yearly Trough Low 238 SGD

Transaction Impact: A difference of 6.02 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.0486

0.0478

JanuFebrMarcApriMayJune

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 0.0482, compared to 0.0000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0482 points.

H1 Avg (Jan–Jun) 0.0482

H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0011 SGD (High: 0.0488 / Low: 0.0477). On the other end, May was the most stable month, with a tight range of 0.0002 SGD (High: 0.0481 / Low: 0.0479).

January Spread (Volatile) ±0.0011

May Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between April and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0006 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0006

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 0.0483) against the same month in 2025 (average: 0.0521), the exchange rate shifted by -0.0038 (-7.31%).

2026 Avg (March) 0.0483

2025 Avg (March) 0.0521

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0488	0.0477	0.0485
February	0.0482	0.0476	0.0479
March	0.0488	0.0480	0.0483
April	0.0486	0.0477	0.0480
May	0.0481	0.0479	0.0480
June	0.0484	0.0480	0.0482