diff --git a/B09_Estimation/B09_Estimation_UI_Shell.ts b/B09_Estimation/B09_Estimation_UI_Shell.ts
index 7147fe004..fbc1cb7a2 100644
--- a/B09_Estimation/B09_Estimation_UI_Shell.ts
+++ b/B09_Estimation/B09_Estimation_UI_Shell.ts
@@ -20,6 +20,7 @@ import {
 } from "@ui/ui_template_elements";
 import { attachCollapsible } from "@ui/ui_template_collapsible";
 import { createDataTable, type DataTable } from "@ui/ui_template_data_table";
+import { attachHoverInfo } from "@ui/ui_template_hover_info";
 import { ui_locales, currentLanguageIndex } from "@ui/ui_template_locale";
 import { clearState, readState, writeState } from "../A00_Common/b_page_state";
 import { workflowSteps } from "../A00_Common/b_page_scaffold";
@@ -227,16 +228,16 @@ export function renderB09Estimation(root: HTMLElement): void {
           const box = cell.getBoundingClientRect();
           openMenuAt(box.left, box.bottom, items);
         });
-      // 157-3 칸 풍선 — 공용 표는 그대로 · 올린 칸에 title
+      // 157-3 칸 풍선 — 공용 표는 그대로 · 올린 칸에 공용 호버 정보(185-3)
       if (spec.tip)
-        made.root.addEventListener("mouseover", (event) => {
-          const cell = (event.target as Element).closest<HTMLTableCellElement>("tr[data-i] td");
-          const row = cell?.parentElement;
-          const column = cell ? spec.columns[cell.cellIndex] : undefined;
-          if (!cell || !row || !column) return;
-          const tip = spec.tip?.(Number(row.dataset.i), column.key);
-          if (tip) cell.title = tip;
-        });
+        attachHoverInfo(
+          made.root,
+          (cell) => {
+            const column = spec.columns[(cell as HTMLTableCellElement).cellIndex];
+            return column && spec.tip?.(Number(cell.parentElement?.dataset.i), column.key);
+          },
+          "tr[data-i] td",
+        );
       return made;
     };
     const hint = spec.hint ? note(spec.hint) : null;
diff --git a/resources/tester/test_185_3_hover_info.py b/resources/tester/test_185_3_hover_info.py
new file mode 100644
index 000000000..45e900e4c
--- /dev/null
+++ b/resources/tester/test_185_3_hover_info.py
@@ -0,0 +1,187 @@
+"""185-3 공용 호버 정보 양식(`ui_template_hover_info.ts`) — 지연 · 뒤집기 · 초점 · 한 번에 하나 · 토큰.
+
+Node 로 모듈을 그대로 돌림(작은 가짜 DOM · 타이머 손으로 돌림) · 자리 셈 `placeHoverInfo` 는 함수만.
+"""
+
+import json
+import re
+import subprocess
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parents[2]
+TS = ROOT / "config" / "node_modules" / "typescript"
+MOD = ROOT / "ui_template" / "ui_template_hover_info.ts"
+CSS = ROOT / "ui_template" / "ui_template_hover_info.css"
+
+PRELUDE = f"""
+const fs = require("fs");
+const ts = require({json.dumps(str(TS))});
+const js = ts.transpileModule(fs.readFileSync({json.dumps(str(MOD))}, "utf8"), {{
+  compilerOptions: {{ module: ts.ModuleKind.CommonJS, target: ts.ScriptTarget.ES2020 }},
+}}).outputText;
+class Node {{}}
+class Element extends Node {{
+  constructor(tag, sel) {{
+    super(); this.tag = tag; this.sel = sel; this.parentElement = null; this.children = [];
+    this.attrs = {{}}; this.on = {{}}; this.style = {{}}; this.hidden = false; this.isConnected = true;
+    this.offsetWidth = 200; this.offsetHeight = 40; this.textContent = "";
+    this.rect = {{ left: 100, top: 100, right: 180, bottom: 120 }};
+    const set = new Set();
+    this.classList = {{ set, toggle: (c, on) => (on ? set.add(c) : set.delete(c)), contains: (c) => set.has(c) }};
+  }}
+  appendChild(c) {{ c.parentElement = this; this.children.push(c); return c; }}
+  contains(n) {{ for (let x = n; x; x = x.parentElement) if (x === this) return true; return false; }}
+  closest(sel) {{ for (let x = this; x; x = x.parentElement) if (x.sel === sel) return x; return null; }}
+  setAttribute(k, v) {{ this.attrs[k] = String(v); }}
+  getAttribute(k) {{ return this.attrs[k] ?? null; }}
+  removeAttribute(k) {{ delete this.attrs[k]; }}
+  addEventListener(t, f) {{ (this.on[t] ||= []).push(f); }}
+  removeEventListener(t, f) {{ this.on[t] = (this.on[t] || []).filter((g) => g !== f); }}
+  getBoundingClientRect() {{ return this.rect; }}
+  fire(type, extra = {{}}) {{
+    const e = {{ type, target: this, ...extra }};
+    for (let x = this; x; x = x.parentElement) (x.on[type] || []).forEach((f) => f(e));
+  }}
+}}
+const document = new Element("#document");
+document.body = document.appendChild(new Element("body"));
+document.createElement = (t) => new Element(t);
+const window = {{ innerWidth: 1000, innerHeight: 800 }};
+let timers = [];
+let seq = 0;
+const fakeSet = (f, ms) => (timers.push({{ id: ++seq, f, ms }}), seq);
+const fakeClear = (id) => (timers = timers.filter((t) => t.id !== id));
+const tick = () => {{ const now = timers; timers = []; now.forEach((t) => t.f()); return now.map((t) => t.ms); }};
+const mod = {{ exports: {{}} }};
+new Function("exports", "module", "require", "document", "window", "Element", "Node",
+  "setTimeout", "clearTimeout", js)(mod.exports, mod, () => ({{}}), document, window, Element, Node,
+  fakeSet, fakeClear);
+const H = mod.exports;
+const box = () => document.body.children.filter((c) => c.attrs.role === "tooltip");
+const out = {{}};
+"""
+
+
+def _node(body: str):
+    script = PRELUDE + body + "\nconsole.log(JSON.stringify(out));"
+    got = subprocess.run(
+        ["node", "-e", script], capture_output=True, text=True, encoding="utf-8", timeout=60
+    )
+    assert got.returncode == 0, got.stderr
+    return json.loads(got.stdout)
+
+
+def test_자리_아래가_기본_아래_모자라면_위로_뒤집기_좌우는_화면_안():
+    got = _node(
+        """
+const view = { width: 1000, height: 800 };
+const size = { width: 200, height: 40 };
+const at = (l, t, r, b) => H.placeHoverInfo({ left: l, top: t, right: r, bottom: b }, size, view);
+out.below = at(100, 100, 180, 120);
+out.bottom = at(100, 760, 180, 780);
+out.right = at(950, 100, 990, 120);
+out.left = at(-30, 100, 20, 120);
+out.tight = at(100, 10, 180, 790);
+"""
+    )
+    assert got["below"] == {"x": 100, "y": 126, "above": False}
+    assert got["bottom"] == {"x": 100, "y": 714, "above": True}  # 760 - 6 - 40
+    assert got["right"]["x"] == 1000 - 6 - 200 and not got["right"]["above"]
+    assert got["left"]["x"] == 6
+    assert got["tight"]["above"] is False  # 위도 모자라면 아래 그대로
+
+
+def test_마우스_짧은_지연_뒤_뜸_떠나면_닫힘_aria():
+    got = _node(
+        """
+const root = document.body.appendChild(new Element("table"));
+const cell = root.appendChild(new Element("td", "td"));
+const inner = cell.appendChild(new Element("span"));
+H.attachHoverInfo(root, (t) => (t === cell ? "물가정보 · 2026-07 · 670쪽" : null), "td");
+inner.fire("mouseover");
+out.beforeTick = box().length ? !box()[0].hidden : false;
+out.delays = tick();
+out.text = box()[0].textContent;
+out.shown = !box()[0].hidden;
+out.aria = cell.attrs["aria-describedby"] === box()[0].id;
+out.pos = [box()[0].style.left, box()[0].style.top];
+inner.fire("mouseout", { relatedTarget: cell });  // 칸 안에서 움직임 = 그대로
+out.stay = !box()[0].hidden;
+cell.fire("mouseout", { relatedTarget: root });
+out.gone = box()[0].hidden && !("aria-describedby" in cell.attrs);
+"""
+    )
+    assert got["beforeTick"] is False and got["delays"] == [350]
+    assert got["text"] == "물가정보 · 2026-07 · 670쪽" and got["shown"] and got["aria"]
+    assert got["pos"] == ["100px", "126px"]
+    assert got["stay"] and got["gone"]
+
+
+def test_키보드_초점이면_지연_없이_뜸_화면_끝이면_뒤집힘():
+    got = _node(
+        """
+const root = document.body.appendChild(new Element("div"));
+const btn = root.appendChild(new Element("button"));
+btn.rect = { left: 900, top: 770, right: 990, bottom: 790 };
+H.attachHoverInfo(btn, "단추 설명");
+btn.fire("focusin");
+out.delays = tick();
+const b = box()[0];
+out.text = b.textContent;
+out.above = b.classList.contains("is-above");
+out.pos = [b.style.left, b.style.top];
+btn.fire("focusout", { relatedTarget: null });
+out.gone = b.hidden;
+"""
+    )
+    assert got["delays"] == [0] and got["text"] == "단추 설명"
+    assert got["above"] and got["pos"] == ["794px", "724px"]
+    assert got["gone"]
+
+
+def test_한_번에_하나_빈_글은_안_뜸_Esc_누름_떼기():
+    got = _node(
+        """
+const root = document.body.appendChild(new Element("div"));
+const a = root.appendChild(new Element("td", "td"));
+const b = root.appendChild(new Element("td", "td"));
+const c = root.appendChild(new Element("td", "td"));
+const stop = H.attachHoverInfo(root, (t) => (t === a ? "A" : t === b ? "B" : ""), "td");
+a.fire("focusin"); tick();
+b.fire("focusin"); tick();
+out.count = box().length;
+out.text = box()[0].textContent;
+out.aOff = !("aria-describedby" in a.attrs) && "aria-describedby" in b.attrs;
+c.fire("focusin"); tick();
+out.emptyHidden = box()[0].hidden;
+a.fire("focusin"); tick();
+document.fire("keydown", { key: "Escape" });
+out.esc = box()[0].hidden;
+a.fire("focusin"); tick(); a.fire("focusout", { relatedTarget: null });
+a.fire("mouseover"); tick();
+document.fire("pointerdown");
+out.press = box()[0].hidden;
+stop();
+a.fire("mouseover");
+out.afterStop = timers.length;
+"""
+    )
+    assert got["count"] == 1 and got["text"] == "B" and got["aOff"]
+    assert got["emptyHidden"] and got["esc"] and got["press"]
+    assert got["afterStop"] == 0
+
+
+def test_모양은_테마_토큰_밝음_어두움_같이_마우스_안_막음():
+    css = CSS.read_text(encoding="utf-8")
+    rule = css[css.index(".ui-hover-info {") :]
+    assert not re.search(r"#[0-9a-fA-F]{3,8}\b", rule)  # 색 글자 박지 않음
+    for token in ("--color-surface-raised", "--color-border", "--color-text-body", "--z-toast"):
+        assert f"var({token})" in rule
+    assert "pointer-events: none" in rule and "position: fixed" in rule
+    theme = (ROOT / "ui_template" / "ui_template_theme.css").read_text(encoding="utf-8")
+    dark = theme[theme.index(':root[data-theme="dark"]') :]
+    assert "--color-canvas:" in dark and "--color-mist:" in dark  # 어두움 = 토큰 바탕이 바뀜
+    src = MOD.read_text(encoding="utf-8")
+    assert (
+        'import "./ui_template_hover_info.css";' in src and 'setAttribute("role", "tooltip")' in src
+    )
diff --git a/ui_template/ui_template_hover_info.css b/ui_template/ui_template_hover_info.css
new file mode 100644
index 000000000..ac71c5d76
--- /dev/null
+++ b/ui_template/ui_template_hover_info.css
@@ -0,0 +1,25 @@
+/* =============================================================================
+ * 호버 정보 상자 공용 모양(`ui_template_hover_info.ts` · PLAN 185-3) — 화면에 하나 · fixed ·
+ * 색 = 테마 토큰(밝음 · 어두움 같이) · 마우스를 안 막음
+ * ========================================================================== */
+
+.ui-hover-info {
+  position: fixed;
+  z-index: var(--z-toast);
+  max-width: min(320px, calc(100vw - 12px));
+  padding: var(--spacing-4) var(--spacing-8);
+  border: 1px solid var(--color-border);
+  border-radius: var(--radius-sm);
+  background: var(--color-surface-raised);
+  box-shadow: var(--shadow-sm);
+  color: var(--color-text-body);
+  font-size: 12px;
+  line-height: 1.4;
+  white-space: pre-line;
+  overflow-wrap: anywhere;
+  pointer-events: none;
+}
+
+.ui-hover-info[hidden] {
+  display: none;
+}
diff --git a/ui_template/ui_template_hover_info.ts b/ui_template/ui_template_hover_info.ts
new file mode 100644
index 000000000..8080868ce
--- /dev/null
+++ b/ui_template/ui_template_hover_info.ts
@@ -0,0 +1,135 @@
+/* =============================================================================
+ * 호버 정보 — 프로그램 전역 공용 「마우스를 올리면 짧은 추가 정보」 상자(PLAN 185-3)
+ *
+ *   attachHoverInfo(root, text, selector?) — root 안 selector 에 맞는 것(없으면 root 자신)에
+ *     마우스(짧은 지연) · 키보드 초점(바로)이 오면 상자 · 떠나면 · 누름 · Esc · 스크롤이면 닫힘 · 돌려준 함수 = 떼기
+ *   text = 글 하나 또는 (대상) → 글(빈 값 = 안 띄움) · 표 칸 · 단추 어디나 같은 한 벌
+ *   상자 = 화면에 하나(새로 뜨면 앞 것 갈음) · 대상 아래가 기본 · 아래가 모자라면 위로 뒤집고
+ *     좌우는 화면 안으로 당김(`placeHoverInfo`) · 색 = 테마 토큰(밝음 · 어두움 같이)
+ *   옛 title 풍선은 그대로 둠 — 새 자리부터 이 양식(B09 칸 풍선 `tip` 이 첫 사용처)
+ * ========================================================================== */
+
+import "./ui_template_hover_info.css";
+
+export type HoverText = string | ((target: HTMLElement) => string | null | undefined);
+
+/** 뜨기까지 지연(ms) — 지나가는 마우스엔 안 뜸 */
+export const HOVER_DELAY_MS = 350;
+/** 대상과 상자 사이 · 화면 끝 여백(px) */
+const GAP = 6;
+
+interface Box {
+  left: number;
+  top: number;
+  right: number;
+  bottom: number;
+}
+
+/** 상자 자리 — 대상 아래(왼쪽 맞춤)가 기본 · 아래가 모자라고 위가 넉넉하면 위로 · 좌우 화면 안 */
+export function placeHoverInfo(
+  anchor: Box,
+  size: { width: number; height: number },
+  view: { width: number; height: number },
+): { x: number; y: number; above: boolean } {
+  const below = anchor.bottom + GAP;
+  const above = below + size.height > view.height - GAP && anchor.top - GAP - size.height >= GAP;
+  const y = above ? anchor.top - GAP - size.height : below;
+  const x = Math.max(GAP, Math.min(anchor.left, view.width - GAP - size.width));
+  return { x, y, above };
+}
+
+let box: HTMLDivElement | null = null;
+let owner: HTMLElement | null = null;
+let timer: ReturnType<typeof setTimeout> | null = null;
+/** 지연 중인 대상 — 같은 대상 안에서 움직여도 지연을 새로 안 셈 */
+let pending: HTMLElement | null = null;
+let globalBound = false;
+
+function shared(): HTMLDivElement {
+  if (box?.isConnected) return box;
+  box = document.createElement("div");
+  box.className = "ui-hover-info";
+  box.id = "ui-hover-info";
+  box.setAttribute("role", "tooltip");
+  box.hidden = true;
+  document.body.appendChild(box);
+  return box;
+}
+
+/** 떠 있는 상자를 닫음(대상이 주면 그 대상 것만) */
+export function hideHoverInfo(target?: HTMLElement): void {
+  if (target && target !== owner) return;
+  if (timer) clearTimeout(timer);
+  timer = null;
+  pending = null;
+  owner?.removeAttribute("aria-describedby");
+  owner = null;
+  if (box) box.hidden = true;
+}
+
+function show(target: HTMLElement, text: string): void {
+  const el = shared();
+  owner?.removeAttribute("aria-describedby");
+  owner = target;
+  el.textContent = text;
+  el.hidden = false;
+  const r = target.getBoundingClientRect();
+  const at = placeHoverInfo(
+    r,
+    { width: el.offsetWidth, height: el.offsetHeight },
+    { width: window.innerWidth, height: window.innerHeight },
+  );
+  el.style.left = `${at.x}px`;
+  el.style.top = `${at.y}px`;
+  el.classList.toggle("is-above", at.above);
+  target.setAttribute("aria-describedby", el.id);
+}
+
+function bindGlobal(): void {
+  if (globalBound) return;
+  globalBound = true;
+  document.addEventListener("keydown", (e) => e.key === "Escape" && hideHoverInfo());
+  // 누름 = 닫음(누름 뒤 다시 그려져 대상이 사라져도 상자가 안 남음)
+  document.addEventListener("pointerdown", () => hideHoverInfo(), true);
+  document.addEventListener("scroll", () => hideHoverInfo(), true);
+}
+
+export function attachHoverInfo(root: HTMLElement, text: HoverText, selector?: string): () => void {
+  bindGlobal();
+  const find = (node: EventTarget | null): HTMLElement | null => {
+    if (!(node instanceof Element)) return null;
+    const hit = selector ? node.closest<HTMLElement>(selector) : root;
+    return hit && root.contains(hit) ? hit : null;
+  };
+  const enter = (event: Event, delay: number): void => {
+    const target = find(event.target);
+    if (!target || target === owner || (timer && target === pending)) return;
+    if (timer) clearTimeout(timer);
+    pending = target;
+    timer = setTimeout(() => {
+      timer = null;
+      const value = typeof text === "function" ? text(target) : text;
+      if (value) show(target, value);
+      else hideHoverInfo();
+    }, delay);
+  };
+  const leave = (event: Event): void => {
+    const target = find(event.target);
+    const next = (event as MouseEvent | FocusEvent).relatedTarget;
+    if (!target || (next instanceof Node && target.contains(next))) return;
+    if (target === owner || target === pending) hideHoverInfo();
+  };
+  const over = (e: Event): void => enter(e, HOVER_DELAY_MS);
+  const focus = (e: Event): void => enter(e, 0);
+  root.addEventListener("mouseover", over);
+  root.addEventListener("mouseout", leave);
+  root.addEventListener("focusin", focus);
+  root.addEventListener("focusout", leave);
+  return () => {
+    root.removeEventListener("mouseover", over);
+    root.removeEventListener("mouseout", leave);
+    root.removeEventListener("focusin", focus);
+    root.removeEventListener("focusout", leave);
+    if (owner && root.contains(owner)) hideHoverInfo();
+  };
+}