diff --git a/services/wallet-service/internal/storage/mysql/host_salary_settlement.go b/services/wallet-service/internal/storage/mysql/host_salary_settlement.go
index f954f6b9..071955b3 100644
--- a/services/wallet-service/internal/storage/mysql/host_salary_settlement.go
+++ b/services/wallet-service/internal/storage/mysql/host_salary_settlement.go
@@ -437,16 +437,16 @@ func (r *Repository) queryActiveHostSalaryPolicy(ctx context.Context, q hostSala
 	modeClause := ""
 	triggerClause := ""
 	args := []any{appcode.FromContext(ctx), regionID, nowMs, nowMs}
-	if strings.TrimSpace(settlementMode) != "" {
-		// 结算任务必须精确匹配结算模式；H5 展示不传模式时只按区域取最新生效政策。
-		modeClause = "AND settlement_mode = ?"
-		args = append(args, settlementMode)
-	}
 	if strings.TrimSpace(triggerMode) != "" {
 		// H5 展示不传 trigger 时 automatic/manual 都可展示；结算任务传 trigger 时仍精确匹配。
 		triggerClause = "AND settlement_trigger_mode = ?"
 		args = append(args, triggerMode)
 	}
+	if strings.TrimSpace(settlementMode) != "" {
+		// SQL 里 trigger 条件排在 mode 前面，所以参数也按 trigger -> mode 追加；否则 manual half-month 会被查成 trigger=half_month。
+		modeClause = "AND settlement_mode = ?"
+		args = append(args, settlementMode)
+	}
 	query := fmt.Sprintf(`
 		SELECT policy_id, name, region_id, status, settlement_mode, settlement_trigger_mode,
 		       CAST(gift_coin_to_diamond_ratio AS CHAR),