| Mortgage subscriber age | 30 years old | ||
| Initial housing price | 500 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) | 908,970 | 1,514,951 | 2,120,931 |
| Pension contribution (10% repayment) | 90,897 | 151,495 | 212,093 |
| Investment return | 4.0% | ||
| Initial pension age | 65 years old | ||
| Pension fund at age 65 from mortgage loan | 60,686,547 | 101,144,245 | 141,601,943 |
| Monthly pension amount (a) | 328,127 | 546,878 | 765,629 |
| Housing price change rate | 2.0% | ||
| Housing price at age 65 | 1,006,289,832 | ||
| Monthly housing pension amount (A) | 2,479,740 | ||
| Total pension amount (a+A) | 2,807,867 | 3,026,618 | 3,245,369 |
| Ratio to housing pension (a/A) | 0.13 | 0.22 | 0.31 |