The Images in an immersive head-mounted display (HMD) for virtual reality provide the sole source for visual adaptation. Thus, significant, near-instantaneous increases in luminance while viewing an HMD can result in visual discomfort. Therefore, the current study investigated the luminance change necessary to induce this discomfort. Based on the psychophysical experiment data collected from 10 subjects, a prediction model was derived using four complex images and one neutral image, with four to six levels of average scene luminance. Result showed that maximum area luminance has a significant correlation with the discomfort luminance level than average, median, or maximum pixel luminance. According to the prediction model, the discomfort luminance level of a head-mounted display was represented as a positive linear function in log(10) units using the previous adaptation luminance when luminance is calculated as maximum area luminance.