This study proposes an image processing framework based on bionic principles to optimize 3D visual perception in virtual reality (VR) systems. By simulating the physiological mechanisms of the human visual system, the framework significantly enhances depth perception and visual fidelity in VR content. The research focuses on three core algorithms: Gabor texture feature extraction algorithm based on directional selectivity of neurons in the V1 region of the visual cortex, which enhances edge detection capability through fourth-order Gaussian kernel; improved Retinex model based on adaptive mechanism of retinal illumination, achieving brightness balance under complex illumination through horizontal–vertical dual-channel decomposition; the RGB adaptive adjustment algorithm, based on the three color response characteristics of cone cells, integrates color temperature compensation with depth cue optimization, enhances color naturalness and stereoscopic depth. Build a modular processing system on the Unity platform, integrate the above algorithms to form a collaborative optimization process, and ensure per-frame processing time meets VR real-time constraints. The experiment uses RMSE, AbsRel, and SSIM metrics, combined with subjective evaluation to verify the effectiveness of the algorithm. The results show that compared with traditional methods (SSAO, SSR, SH), our algorithm demonstrates significant advantages in simple scenes and marginal superiority in composite metrics for complex scenes. Collaborative processing of three algorithms can significantly improve depth map noise and enhance the user’s subjective experience. The research results provide a solution that combines biological rationality and engineering practicality for visual optimization in fields such as implantable metaverse, VR healthcare, and education.