diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
index 18db8512a..fbea85958 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
@@ -261,6 +261,49 @@ describe('PlatformProfileRechargeModal', () => {
     expect(onSubmitMembershipCheckout).toHaveBeenCalledWith('max', 'yearly');
   });
 
+  test('shows a placeholder instead of the list price while the upgrade quote is loading', async () => {
+    const user = userEvent.setup();
+
+    render(
+      <PlatformProfileRechargeModal
+        center={{
+          mudPointBalance: buildMudPointBalance(615),
+          membership: buildActiveMembership('plus', 'yearly'),
+          pointProducts: buildPointProducts(),
+          membershipPlans: [STARTER_PLAN, PLUS_PLAN, MAX_PLAN],
+          latestOrder: null,
+          hasPointsRecharged: true,
+        }}
+        isLoading={false}
+        error={null}
+        submittingProductId={null}
+        nativePayment={null}
+        membershipQuote={null}
+        isLoadingMembershipQuote={true}
+        membershipQuoteError={null}
+        onClose={vi.fn()}
+        onRetry={vi.fn()}
+        onBuy={vi.fn()}
+        onRequestMembershipQuote={vi.fn()}
+        onSubmitMembershipCheckout={vi.fn()}
+        onConfirmNativePayment={vi.fn()}
+        onCloseNativePayment={vi.fn()}
+      />,
+    );
+
+    await user.click(screen.getByRole('button', { name: 'Max 年付 补差升级' }));
+
+    const checkout = screen.getByRole('dialog', { name: '确认套餐变更' });
+    // 报价未到：金额占位，不能把 Max 标准年价（¥6990）当成「本次补付」。
+    expect(within(checkout).getByText('—')).toBeTruthy();
+    expect(
+      within(checkout).queryByRole('button', { name: /^补差升级 ¥/ }),
+    ).toBeNull();
+    expect(
+      within(checkout).getByRole('button', { name: '补差升级' }),
+    ).toHaveProperty('disabled', true);
+  });
+
   test('recharge tab picks a point product and forwards the buy action', async () => {
     const user = userEvent.setup();
     const onBuy = vi.fn();
diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index 64c24649c..aaec13d74 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -1013,9 +1013,20 @@ function PlatformRechargeCheckoutDialog({
     membershipQuote.cycleKind === target.cycleKind
       ? membershipQuote
       : null;
+  // 升级金额只能来自服务端报价：报价未到 / 失败时不能拿新套餐标准价冒充「本次补付」。
+  const amountPending = isUpgrade && !quoteForTarget;
   const amountCents = quoteForTarget
     ? quoteForTarget.amountCents
     : listPriceCents;
+  const amountText = amountPending ? '—' : formatRechargePrice(amountCents);
+  let ctaLabel: string;
+  if (!isUpgrade) {
+    ctaLabel = `支付 ${amountText}`;
+  } else if (amountPending) {
+    ctaLabel = '补差升级';
+  } else {
+    ctaLabel = `补差升级 ${amountText}`;
+  }
   const canSubmit =
     Boolean(plan) &&
     !submitting &&
@@ -1072,12 +1083,9 @@ function PlatformRechargeCheckoutDialog({
       title={isUpgrade ? '确认套餐变更' : '确认订单'}
       submitting={submitting}
       amountCents={amountCents}
+      amountPending={amountPending}
       amountLabel={isUpgrade ? '本次补付' : '本次支付'}
-      ctaLabel={
-        isUpgrade
-          ? `补差升级 ${formatRechargePrice(amountCents)}`
-          : `支付 ${formatRechargePrice(amountCents)}`
-      }
+      ctaLabel={ctaLabel}
       ctaDisabled={!canSubmit}
       onClose={onClose}
       onSubmit={() => {
@@ -1103,6 +1111,7 @@ function PlatformRechargeCheckoutDialog({
 function PlatformRechargeCheckoutShell({
   title,
   amountCents,
+  amountPending = false,
   amountLabel = '本次支付',
   ctaLabel,
   ctaDisabled = false,
@@ -1115,6 +1124,8 @@ function PlatformRechargeCheckoutShell({
 }: {
   title: string;
   amountCents: number;
+  /** 金额未知（升级报价未到 / 失败）时只显示占位符，避免拿标准价冒充补差金额。 */
+  amountPending?: boolean;
   amountLabel?: string;
   ctaLabel: string;
   ctaDisabled?: boolean;
@@ -1142,7 +1153,7 @@ function PlatformRechargeCheckoutShell({
           {amountLabel}
         </div>
         <div className="mt-1 text-3xl font-black tabular-nums text-[var(--platform-text-strong)]">
-          {formatRechargePrice(amountCents)}
+          {amountPending ? '—' : formatRechargePrice(amountCents)}
         </div>
       </div>
       {errorState ? <div className="mt-4">{errorState}</div> : null}