An experimental study on the behavior of the water hold-up by spraying of a fin-and-tube heat exchanger with regard to the surface characteristics, i.e., contact angles, was conducted. The dynamic contact angles (DCA) were measured, and water hold-up by spraying (WHS) was conducted in the experiment. It is found that heat exchanger surface characteristics, spray pressure, spray water temperature and heat exchanger surface temperature play an important role in WHS. In order to evaluate relationship between WHS and surface characteristics, test conditions are determined through a contour analysis. A correlation was proposed to predict WHS as a function of DCA. With its test efficiency and consuming time, the prediction method can be used to evaluate WHS performance.