Credit Card Lending Survey Results for Fourth Quarter 2025

The Hong Kong Monetary Authority published today (16 February) the credit card lending survey results for the fourth quarter of 2025.

Total card receivables increased by 8.7% in the fourth quarter to HK$164.2 billion at end-December 2025, mainly driven by festive spending and salaries tax payment.

The combined delinquent and rescheduled ratio was 0.40% at end-December 2025, compared with 0.45% at the previous quarter-end.  The charge-off ratio for the fourth quarter of 2025 was 0.62%, compared with 0.64% in the previous quarter.

Annex

Hong Kong Monetary Authority
16 February 2026