A　fully　coupled　3D　hydro-mechanical　model　with　real　porous　seepage　is　presented　for　simulating　hydraulic　fracturing.　In　this　model,　fluid　flow　in　a　fracture　is　expressed　by　2D　fracture　seepage　in　the　broken　joint　elements　based　on　the　Cubic　law,　while　fluid　flow　in　the　rock　matrix　is　represented　by　3D　porous　seepage　in　the　tetrahedral　elements　based　on　Darcy＇s　law.　Several　problems　that　have　closed-form　solutions　and　a　3D　fracturing　problem　are　given　to　verify　the　model.　The　simulation　results　show　that　the　model　can　capture　crack　initiation　and　propagation,　and　the　fluid　pressure　evolution　during　hydraulic　fracturing.