Witness Diane Dircks and her family had just returned to the dock after rainy weather cut their pontoon boat trip short when her daughter noticed the plane in the water.
"We went running over to the end of the dock, and I took some pictures," she said.
Ms Dircks, who was visiting from Illinois, said her daughter keeps a pair of binoculars on her for birdwatching, so she was able to see the plane and the rescue boats arriving.
"It was unbelievable," she added.
The Honolulu Fire Department received a 911 call for a downed aircraft shortly after 2 pm - it was cloudy and rainy at the time.