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Cost of moneyHong Kong

Lending rate in Hong Kong

What do banks charge for credit there?

Hong Kong's lending rate is 5.18 % — #15 of 67 countries on the atlas (lower is better). Period 2025.

5.18%

Checked 21 Sept 2026Period 2025

Source: IMF International Financial Statistics

Lending rate in Hong Kong over time

10.00 %7.50 %5.00 %10.00 % · 19905.00 % · 20031990: 10.00 %1991: 9.42 %1992: 7.33 %1993: 6.50 %1994: 7.38 %1995: 8.90 %1996: 8.52 %1997: 8.90 %1998: 9.90 %1999: 8.50 %2000: 9.27 %2001: 6.84 %2002: 5.10 %2003: 5.00 %2004: 5.02 %2005: 6.21 %2006: 7.92 %2007: 7.56 %2008: 5.31 %2009: 5.00 %2010: 5.00 %2011: 5.00 %2012: 5.00 %2013: 5.00 %2014: 5.00 %2015: 5.00 %2016: 5.00 %2017: 5.00 %2018: 5.04 %2019: 5.10 %2020: 5.00 %2021: 5.00 %2022: 5.10 %2023: 5.77 %2024: 5.74 %2025: 5.18 %1990200820255.18 %
36 official observations, 1990 → 2025. Every point is a published value — never interpolated.
Rank
#15 of 67
lower is better
Ranked behind
78 %
52 of 67 countries
Latest move
▼ 0.56 pp
since 2024
Below its peak
4.82 pp
peak 10.00 % in 1990
Full series
▼ 4.82 pp
since 1990

In Asia: #7 of 17vs median 8.79 %: −3.61 pp (better)

Among 67 countries

10 of 67 countries between 2.96 % and 4.75 %9 of 67 countries between 4.75 % and 6.55 %9 of 67 countries between 6.55 % and 8.34 %10 of 67 countries between 8.34 % and 10.14 %4 of 67 countries between 10.14 % and 11.93 %3 of 67 countries between 11.93 % and 13.73 %5 of 67 countries between 13.73 % and 15.52 %5 of 67 countries between 15.52 % and 17.31 %3 of 67 countries between 17.31 % and 19.11 %3 of 67 countries between 19.11 % and 20.90 %1 of 67 countries between 22.70 % and 24.49 %1 of 67 countries between 37.05 % and 38.84 %4 of 67 countries between 44.23 % and 46.02 %median 8.79 %Hong Kong: ahead of 78 % of the 67 countries with a published lending rateHong Kong 5.18 %2.96 %46.02 %
Half of all 67 countries sit between 5.88 % and 15.34 %. Hong Kong is ahead of 78 % of them. Axis trimmed to the 2nd–98th percentile; 3 values beyond it sit in the end bars.

The neighbourhood

#CountryLending ratevs Hong Kong
13 Thailand4.99 %−0.19 pp
14 Kuwait5.03 %−0.15 pp
15 Hong Kong5.18 %—
16 Brunei5.50 %+0.32 pp
17 Norway5.88 %+0.70 pp

Bank lending rate, IMF-harmonised — the price of credit, ~150 economies.

How to read this figure

The IMF-harmonised bank lending rate — what banks charge their customers for credit, averaged nationally. Harmonisation is what makes ~150 economies comparable; the trade-off is that the underlying loan mix (business vs consumer, maturities) differs by country, so treat close values as similar, not identical.

Next, about Hong Kong

Deposit rateInflation rate
Lending rate, all countries ranked →Compare Hong Kong with another country →Everything about Hong Kong →
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