WaysUnion: Hong Kong Family Income Remains Stable in the Fourth Quarter, Credit is No Longer Seen as a "Necessity"

According to a report from Wise Finance APP, a consumer survey conducted by Huanlian in the fourth quarter of 2025 showed that despite continued pressure on the job market, household incomes in Hong Kong generally remained stable. Consumers, in a cautiously optimistic mood, actively manage their personal finances and show resilience. In addition, as the macroeconomic environment continues to change, consumers' views on credit have also changed. Credit is no longer seen as a "necessity" but rather as a choice that requires careful consideration.