In order to investigate the formation mechanism of the surface cracks on high-strength low-alloy (HSLA) steel thick plates, this paper simulated the temperature history of different hot charging processes, and deduced the microstructural transformation behavior and recrystallization austenitization process under different charging temperatures. This paper proposed four hot charging modes and ultimately elucidated the effect of charging temperature on the surface cracks of HSLA steel thick plates. Experimental results showed significant differences in the microstructure and recrystallized austenite grains under different charging temperatures. Analysis revealed that the recrystallized austenite grains were determined by the microstructure. The presence of austenite in the microstructure significantly increased the size of recrystallized austenite grains, thereby disrupting the uniformity of grains. Based on the relationship between charging temperature, microstructure, and recrystallized austenite grain state, the hot charging process of HSLA steel was divided into four temperature zones: high-temperature single-phase zone, high-temperature two-phase zone, medium-temperature three-phase zone, and low-temperature two-phase stable zone. The occurrence of the surface cracks in HSLA steel was caused by the recrystallized austenite mixcrystal structure generated during charging in the medium-temperature three-phase zone. The uneven recrystallized austenite grains caused by undercooled austenite were the direct cause of the surface cracks, while high charging temperature was the root cause. When the charging temperature entered the medium-temperature three-phase temperature zone, recrystallized austenite grains would exhibit mixcrystal structure. These mixcrystal structure deteriorated the surface quality, promoting the formation, deformation, and propagation of surface cracks. To reduce the occurrence rate of surface cracks, for steel grades sensitive to surface quality, the charging temperature should be controlled in the low-temperature two-phase stable zone.