This paper presents a novel design for a variable stiffness load torque simulation system. The system is applied to the load torque on a rudder in a real-time hardware-in-the-loop system (HILS). Compared with the traditional loading method, in which unavoidable additional torque exists, the variable stiffness loading system employs a "first decomposed and then coupled" approach to output the load torque and to significantly reduce the additional torque. Based on experimental data obtained from a wind tunnel test, a calculation method is proposed to determine the loading parameters of the variable stiffness loading system. Since the load stiffness is related to a variety of factors, the stiffness values obtained from wind tunnel test data, such as the fixed Mach number and the rudder deflection angle, are not definite values. By analyzing the influencing factors of the loading parameters, an optimal set of load stiffness is obtained using an optimization algorithm, and exact tracking of the load torque is achieved. Using the calculation method to obtain a loading torque for the rudder as an example, the torque tracking error is less than 0.05 Nm. The simulation results indicate that the proposed calculation method for variable stiffness loading is effective.