Negative Hit Points

Humanoids, including player characters, do not die at zero or less hit points, as happens with monsters and animals. Depending on the type of character, the actual threshold for death, from minus 4 to minus 10, varies according to the type of creature that it is, or how much training it has. There are three types of humanoid combatant: commoner, men-at-arms and levelled persons. As each type suffers damage below zero, there are specific effects that must be applied.

Negative H.P. Effects on Type of combatant

hit points	Commoner	Man-at-arms	Levelled incl. Player Characters
0	No Effects
-1	-25% ability stats	-20% ability stats	-10% ability stats
-2	-50% ability stats wisdom check	-40% ability stats wisdom check	-20% ability stats
-3	-75% ability stats wisdom check	-60% ability stats wisdom check	-30% ability stats
-4	death	-80% ability stats wisdom check	-40% ability stats wisdom check
-5		death	-50% ability stats wisdom check
-6			-60% ability stats wisdom check
-7			-70% ability stats wisdom check
-8			-80% ability stats wisdom check
-9			-90% ability stats wisdom check
-10			death

Commoners represent the bulk of all humanoid races, having characteristics as typically described in the stat box of a monster page. For example, commoner humans have 1 hit die and an armour class (AC) of 10; a hobgoblin has 1+1 hit dice and an AC of 5 (possessing heavy, leathery skin). Both of these describe ordinary examples of their species, being non-levelled and having hit points exclusively due to their mass.