This study examines the effects of gender, gloved condition, and the location of hand on the pressure-pain tolerance (PPTo) at different finger skin temperature (FST). The experimental design is a combination of nested-factorial and split-plot. Ten men and ten women were recruited and nested within the gender. The gloved level includes bare hand, wearing one or two layers of latex gloves. The FST levels are 15, 20, and 25℃, and FST is considered as the whole plot. The hand location includes fingers, metacarpal, and palm; four test points are selected from each location and nested within the location. This experiment was performed in a water immersion. The ANOVA result indicates that men PPTo (7.3 kg) are greater than those for women (5 kg). PPTo at 25℃ is the least. Additionally, the more layers of gloves are worn, the greater PPTo are observed. As to the location effect, PPTo on palm and metacarpal is the highest and the least, respectively.