Hong Kong: Real interest rate

* indicates monthly or quarterly data series
 Hong Kong

Real interest rate: Bank lending rate minus inflation

 Latest value 3.24
 Year 2022
 Measure percent
 Data availability 1990 - 2022
 Average 4.43
 Min - Max -2.33 - 13.13
 Source The International Monetary Fund
For that indicator, we provide data for Hong Kong from 1990 to 2022. The average value for Hong Kong during that period was 4.43 percent with a minimum of -2.33 percent in 1992 and a maximum of 13.13 percent in 1999. The latest value from 2022 is 3.24 percent. For comparison, the world average in 2022 based on 90 countries is -0.33 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
Select indicator
* indicates monthly or quarterly data series

Recent values chart
Hong Kong - Real interest rate - recent values

Historical chart
Hong Kong - Real interest rate - historical chart - 1990-2022

Definition: Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.

 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 4.94 2020 interest rate points
 Bank cost to income ratio 50.56 2021 percent
 Non-performing loans 0.88 2021 percent
 Bank overhead cost 0.91 2021 percent
 Net interest margin 1.10 2021 percent
 Bank credit to deposits 64.53 2021 percent
 Regulatory capital to risk-weighted assets 20.69 2020 percent
 Return on assets 0.80 2021 percent
 Return on equity 8.11 2021 percent
 Banking system z-scores 19.75 2021 index points
 Liquid assets to deposits 50.88 2021 percent
 Banking system capital to assets 9.44 2020 percent
 Non-interest income to total income 44.74 2021 percent
 Lending interest rate 5.10 2022 percent
 Real interest rate 3.24 2022 percent
 Legal rights 8.00 2020 points
 Credit information sharing 7.00 2019 points
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