Excessive fertilizer application increases the risk of eutrophication and agricultural non-point source pollution (ANPS) in rivers near farmland. However, the processes and mechanisms of runoff and phosphorus losses, particularly in the interflow, under various fertilizer treatments and rainfall scenarios are not well understood. This study used orthogonal experimental methods to investigate the combined effects of fertilization schemes and rainfall intensity on multi-form phosphorus runoff losses and to establish statistical relationships and regression models between phosphorus losses and environmental factors in surface runoff and interflow. The results indicated that (1) the optimized fertilization scheme, compared with conventional fertilization, enhanced pak choi (Brassica rapa) growth while reducing phosphorus runoff losses. By reducing phosphorus fertilization by 35.7%, total phosphorus losses decreased by 29.3%, 34.2%, and 29.8% under light, moderate, and heavy rainfall, respectively. (2) Different fertilizer applications and rainfall intensities had varying effects on phosphorus losses through different pathways. Fertilizer application was the primary factor affecting phosphorus losses in surface runoff, while rainfall intensity mainly influenced phosphorus losses through interflow. (3) Surface runoff was the dominant pathway for phosphorus losses from farmland (>92.0%), with particulate phosphorus (>89.4%) being the predominant form. However, under high-intensity and long-duration rainfall, interflow became a significant pathway for phosphorus losses. This study highlights the importance of optimized fertilization in reducing phosphorus losses and improving fertilizer efficiency in agricultural fields. The findings will help develop strategies to mitigate ANPS and soil nutrient losses in the North China Plain.