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If someone's rambling on, I have this habit of saying 'And your point is?'.

I have this habit of talking to myself.

I have this habit of not being able to control my facial expressions when someone says something stupid or annoying from Instagram tagged as Meme.

Why has this been used instead of a or the? Is this usage of this generalizable? It looks as if this acts as an article here.

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Yes, the use of this here is generalisable. You can say:

You see, I have this cup. It's my favourite cup.

It's a colloquial usage to show some familiarity with the object of the sentence.

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    +1 for "show...familiarity". There's this little restaurant we go to on the island. It has really good Key Lime pie. – Tᴚoɯɐuo Nov 8 '18 at 10:35

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