VR can work with headphones.
VR can work with surround sound speakers.
If something has been designed to work with headphones, using a surround sound speaker setup will not work - well, technically it "works", it's just the sounds will come from the wrong place all the time. Almost every VR game I know of on Steam works this way and has no option to select "speakers". Feel free to link any that offer speakers as an option.
If an experiance or game has been designed to work with surround sound speakers, it will work fine with surround sound speakers. However, it won't work well with headphones.
As it stands, to answer your specific question:
No, there are no games for the HTC Vive or Oculus Rift, that I know of, that works correctly with desktop speakers. A game would have to have the option for surround sound speakers added in specifically.
Experiences in the commercial market exist, but coding up a game to work with speakers is, I imagine, wasted effort since both the Rift and Vive come with headphones.