Praise be to Allaah.
There is nothing wrong with a man playing with his wife, or a
wife with her husband, by saying words while fasting, on the condition that
there is no danger of either of them climaxing. If there is the danger that
they may reach climax, as in the case of one who has strong desires and who
fears that if he plays with his wife his fast may be broken by his
ejaculating, then it is not permissible for him to do that, because he is
exposing his fast to the risk of being broken. The same applies if he fears
that he may emit prostatic fluid (madhiy). (al-Sharh al-Mumti’,
6/390).
The evidence that it is permissible to kiss and play with
one’s wife, if one is sure that there is no risk of reaching climax, is the
report narrated by al-Bukhaari (1927) and Muslim (1106) from ‘Aa’ishah (may
Allaah be pleased with her) who said: “The Prophet (peace and blessings
of Allaah be upon him) used to kiss and touch (his wives) while he was
fasting, and he was the most in control of his desires.’” In Saheeh
Muslim (1108) it is narrated from ‘Amr ibn Salamah that he asked the
Messenger of Allaah (peace and blessings of Allaah be upon him), “Can a
fasting person kiss (his wife)?” The Messenger of Allaah (peace and
blessings of Allaah be upon him) said, “Ask her” – meaning Umm Salamah – and
she told him that the Messenger of Allaah (peace and blessings of
Allaah be upon him) used to do that.
Shaykh Ibn ‘Uthaymeen (may Allaah have mercy on him) said:
“With regard to things other than kissing that may lead to intercourse, such
as embracing and the like, we say that the ruling on them is the same as the
ruling on kissing, and there is no difference between them.” (al-Sharh
al-Mumti’, 6/434).
Based on the above, your simply saying to your husband, “I
love you,” or his saying that to you, does not affect your fast. And Allaah
knows best.