A three-dimensional pile–soil model was created by finite element analysis to study the horizontal bearing capacity of a new high-rise foundation coupling beam pile structure with high stability. Horizontal loads, combined vertical–horizontal loads and seismic waves are applied to them, and the horizontal displacements, pile bending moments, coupling beam axial forces and dynamic responses are analyzed in comparison with the pile group. According to the findings, the horizontal bearing capacity of the coupling beam pile structure is 40% greater than that of the pile group. Additionally, the coupling beam is capable of effectively distributing the horizontal load and balancing the pile bending moment at various locations. Under the combined load, the coupling beam pile structure’s horizontal displacement is reduced by 51.3% in comparison with that of the pile group, and the coupling beam’s bending moment and axial force are increased. The coupling beam pile structure’s peak acceleration is 32.92% lower than the peak acceleration of the pile group subjected to seismic action, the pile bending moment is greater, the beam can withstand greater forces, and the coupling beam pile structure can produce seismic isolation.