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In HK, to get a HSBC or Standard Chartered bank card, you can exchange virtual currency for Hong Kong dollars locally, with no handling fee at the current exchange rate. Last week I exchanged at 7.74, and I can only give you cash. Fortunately, the denomination is 1000, so one bundle is 100,000, and I exchanged for 10 bundles.
Then at the HSBC ATM, the maximum deposit per day is 100,000, which is one bundle.
Then at the Standard Chartered ATM, the maximum deposit per day is also 100,000.
So you can deposit 200,000 Hong Kong dollars in one day. You can freely exchange for RMB or USD on the bank's app.
When you get to the mainland, you can withdraw cash at will.