| Mortgage subscriber age | 30 years old | ||
| Initial housing price | 300 million | ||
| Loan amount (LTV) | 90 mil. (30%) | 150 mil. (50%) | 210 mil. (70%) |
| Loan maturity | 20 years | ||
| Loan interest rate | 4.0% | ||
| Monthly repayment (CPM) | 545,382 | 908,970 | 1,272,559 |
| Pension contribution (10% repayment) | 54,538 | 90,897 | 127,256 |
| Investment return | 4.0% | ||
| Initial pension age | 65 years old | ||
| Pension fund at age 65 from mortgage loan | 36,411,928 | 60,686,547 | 84,961,166 |
| Monthly pension amount (a) | 196,876 | 328,127 | 459,377 |
| Housing price change rate | 3.0% | ||
| Housing price at age 65 | 856,172,743 | ||
| Monthly housing pension amount (A) | 2,109,810 | ||
| Total pension amount (a+A) | 2,306,686 | 2,437,937 | 2,569,187 |
| Ratio to housing pension (a/A) | 0.09 | 0.16 | 0.22 |