The HFC 1020K uses a 2,771 cc in-line four-cylinder naturally aspirated diesel engine. Official Pakistan specifications list 76 hp at 3,600 rpm and 174 Nm of torque between 2,100 and 2,300 rpm.

The JAC 1020K uses a manual transmission with five forward gears and one reverse gear. It has a 4x2 commercial-truck layout designed for urban and regional goods transport.

Official specifications list a rated payload of 3,450 kg, a curb weight of 1,700 kg and a gross vehicle weight of 5,150 kg. Operators must keep the completed vehicle within legal axle, body and registration limits.

The official Pakistan brochure promotes a 12-foot cargo deck. Final usable dimensions can vary if the chassis is fitted with a custom commercial body or specialised superstructure.

The truck measures approximately 5,285 mm long, 1,695 mm wide and 2,170 mm high, with a 2,800 mm wheelbase and 185 mm minimum ground clearance.

The HFC 1020K uses leaf-spring suspension at the front and rear, hydraulic brakes and 6.50R16 tyres. This straightforward commercial layout is intended to support durability, load carrying and easier maintenance.

The official brochure shows applications including a dumper, ladder truck, tanker, crane cargo body, refuse truck, troops carrier, goods carrier and refrigeration van. Any conversion must remain within the chassis limits and receive the required regulatory approval.

The official Pakistan brochure advertises a warranty of 2 years or 100,000 km, whichever comes first. Buyers should confirm the latest coverage, service conditions and exclusions with an authorised JAC commercial-vehicle dealer.