Abstract A hydro-mechanical coupled model that can simultaneously consider the pore seepage of a rock matrix and the fracture seepage is proposed to simulate three-dimensional hydraulic fracturing. This model appropriately takes into account the fluid leak-off into the surrounding rock matrix from the fracture. Several examples are given to validate the seepage algorithms and the coupled model. The results suggest that this model can solve problems involving pore seepage and fracture seepage through simple pure fracture seepage. Moreover, it can reproduce the fluid pressure distribution and the crack initiation and propagation and consider the fluid loss during hydraulic fracturing.