The Hong Kong Monetary Authority released its credit card lending survey results for the fourth quarter of 2025, reporting an increase in total card receivables alongside modest improvements in delinquency and charge-off metrics. Total card receivables rose 8.7% over the quarter to HKD 164.2 billion at end-December 2025, attributed mainly to festive spending and salaries tax payments. The combined delinquent and rescheduled ratio declined to 0.40% from 0.45% in the previous quarter, while the charge-off ratio for the quarter eased to 0.62% from 0.64%.
Hong Kong Monetary Authority 2026-02-16
Hong Kong Monetary Authority publishes fourth quarter 2025 credit card lending survey showing higher receivables and lower delinquency
The Hong Kong Monetary Authority's credit card lending survey for Q4 2025 shows an 8.7% increase in total card receivables to HKD 164.2 billion, driven by festive spending and salaries tax payments. The delinquent and rescheduled ratio improved to 0.40%, and the charge-off ratio decreased to 0.62%.