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.　(C)　2016　Elsevier　Ltd.　All　rights　reserved.