Abstract: Presented in this paper is an algorithm of 3 D garment dressing effect simulation based on subdivision scheme The simulation process is divided into two phases: in the first phase, 3 D garment rigid surface is rapidly generated by 4 point interpolatory subdivision scheme, and then on the basis of rigid surface, physical model of cloth is introduced to simulate 3 D virtual garment soft surface Combining the physical technique with the geometrical technique, the algorithm effectively deals with the sewing problem between complex patterns, and reduces the high computation cost of the physical technique Also proposed is a collision detection algorithm based on hierarchical data structure of subdivision surface It improves the speed of 3 D virtual garment simulation greatly The methods mentioned have been realized in a 3 D virtual garment fitting system The result shows the algorithm has the strength of high simulation, high interactive capability, and being easy to implement