To mitigate the hazards of high geotemperatures in hydraulic tunnels, the performance of a novel adaptive temperature-controlled lining was investigated across various working phases of high geothermal tunnels using the thermo-hydro-mechanical coupling analysis with the finite element software COMSOL. The results indicated an error margin of only 2% to 6% compared to the field measurements, proving the feasibility of the method. Compared with the conventional concrete lining, the adaptive temperature-controlled lining reduced the average inner wall temperature by approximately 55% during construction, decreased the maximum thermal deformation by approximately 37%, transferred the localized energy elevation from the inner wall to the outer lining, and lowered the maximum elastic strain energy density by approximately 62%. During the water-filled operational phase, the radius of temperature influence in the low-temperature zone of the adaptive temperature-controlled lining expanded by approximately 20%, whereas the maximum thermal stress decreased by approximately 76%, the thermal deformation by 50%, and the elastic strain energy density by 88%. Throughout both the construction and operational phases, the adaptive temperature-controlled lining significantly enhanced the temperature control, improved the stress distribution, and reduced the risk of concrete cracking. These findings could offer the innovative engineering insights into the design, construction, and operation of high-geothermal tunnels.