Amidst the challenges posed by global climate change and accelerated urbanization, the structure and distribution of land use are shifting dramatically, exacerbating ecological and land-use conflicts, particularly in China. Effective land resource management requires accurate forecasts of land use and cover change (LUCC). However, the future trajectory of LUCC, influenced by climate change and urbanization, remains uncertain. This study developed an integrated multi-scenario framework by combining system dynamics and patch-generating land use simulation models to predict future LUCC in high-density urban regions under various Shared Socioeconomic Pathway (SSP)–Representative Concentration Pathway (RCP) scenarios. The results showed the following: (1) From 2020 to 2050, cultivated land, unused land, and water are projected to decrease, while construction land is expected to increase. (2) Future land use patterns exhibit significant spatial heterogeneity across three scenarios. Construction land will expand in all districts of Hangzhou, particularly in the main urban areas. Under the SSP585 scenario, the expansion of construction land is most significant, while it is the least under the SSP126 scenario. (3) Distinct factors drive the expansion of different land use types. The digital elevation model is the predominant factor for the expansion of forest and grassland, contributing 19.25% and 30.76%, respectively. Night light contributes the most to cultivated land and construction land, at 13.94% and 20.35%, respectively. (4) The average land use intensity (LUI) in central urban districts markedly surpasses that in the surrounding suburban areas, with Xiacheng having the highest LUI and Chun’an the lowest. Under the SSP126 scenario, the area with increased LUI is significantly smaller than under the SSP245 and SSP585 scenarios. These findings offer valuable guidance for sustainable planning and built environment management in Hangzhou and similarly situated urban centers worldwide.