| 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 | 30 years | ||
| Loan interest rate | 4.5% | ||
| Monthly repayment (CPM) | 456,017 | 760,028 | 1,064,039 |
| Pension contribution (10% repayment) | 45,602 | 76,003 | 106,404 |
| Investment return | 4.5% | ||
| Initial pension age | 65 years old | ||
| Pension fund at age 65 from mortgage loan | 43,348,791 | 72,247,985 | 101,147,179 |
| Monthly pension amount (a) | 246,405 | 410,676 | 574,946 |
| Housing price change rate | 2.0% | ||
| Housing price at age 65 | 603,773,899 | ||
| Monthly housing pension amount (A) | 1,540,920 | ||
| Total pension amount (a+A) | 1,787,325 | 1,951,596 | 2,115,866 |
| Ratio to housing pension (a/A) | 0.16 | 0.27 | 0.37 |