This study proposes a tribo-dynamic model for point contacts under lubrication, focusing on the excitations caused by surface movement, defect and load impact. Surface movement and load impact can cause changes in contact force, resulting in acceleration and dynamic displacement, which may affect the flow of the lubricant. The traditional lubrication model is usually steady or transient, and load balance is used to correct the normal height, ignoring a series of influences such as the mass, stiffness and damping. It requires repeated corrections to obtain a balanced position, which is very time-consuming. By combining tribology and dynamics, dynamic excitation is introduced in the contact process in this study. After determining the initial value, the normal height can be directly obtained from the dynamic equation. Besides, a comparison between the tribo-dynamic model and the steady-state model is presented. It is found that the film thickness and pressure distribution calculated by the two models are almost the same at medium and low speeds, while the calculation results of the two models are different at high speed or under load impact, which emphasises the importance of considering the dynamic behaviour in the study of contacts.