The invention provides a method for preparing functional health maintenance hydrotherapy composition by three-enzyme one-fermentation. The method comprises the following steps: carrying out enzymolysis on rose and lavender extraction liquid by cellulose; carrying out cellulose enzymolysis, neutral protease enzymolysis and saccharomycetes fermentation on fomes japonica and lotus seed in sequence toaccelerate active ingredients in the fomes japonica and the lotus seed to be released; carrying out enzymolysis on vine of multiflower knotweed and cranberry by cellulase and pectinase complex enzyme. Compared with the prior art, the method is characterized in that main raw materials are the fomes japonica, the lotus seed, the rose, the lavender, the cranberry and the vine of multiflower knotweed, and are respectively subjected to enzymolysis by different combinations of the cellulase, the pectinase and the neutral protease, enzymolysis products of the fomes japonica and the lotus seed are fermented by saccharomycetes, and effective ingredients are accelerated to release; in addition, the effective ingredients are subjected to enzymolysis to obtain micromolecule active substances so as tobe more easily absorbed by the human body in hydrotherapy to perform functions, and various raw materials perform a synergistic effect so as to be capable of dredging collaterals, calming down and assisting in sleep so as to achieve the aim of treating insomnia.