The long-term periodicity and uncontrollable interface properties during the preparation process for silicon carbide fiber reinforced silicon carbide-based composites (SiCf/SiC CMC) make it difficult to thoroughly investigate their mechanical damage behavior under complex loading conditions. To delve deeper into the influence of the interface strength and toughness on the mechanical response of microscopic representative volume element (RVE) models under complex loading conditions, in this work, based on numerical simulation methods, a microscale representative volume element (RVE) with periodic symmetric boundary conditions for the material is constructed. The phase-field fracture theory and cohesive zone model are coupled to capture the brittle cracking of the matrix and the debonding behavior at the fiber/matrix interface. Simulation analysis is conducted for tensile, compressive, and shear loading as well as combined loading, and the validity of the model is verified based on the Chamis theory. Further investigation is conducted into the mechanical response behavior of the microscale RVE model under complex loading conditions in relation to the interface strength and interface toughness. The results indicate that under uniaxial loading, increasing the interface strength leads to a tighter bond between the fiber and matrix, suppressing crack initiation and propagation, and significantly increasing the material’s fracture strength. However, compared to the transverse compressive strength, increasing the interface strength does not continuously enhance the strength under other loading conditions. Meanwhile, under the condition of strong interface strength of 400 MPa, an increase in the interface toughness significantly increases the transverse compressive strength of the material. When it increases from 2 J/m2 to 20 J/m2, the transverse compressive strength increases by 28.49%. Under biaxial combined loading, increasing the interface strength significantly widens the failure envelope space under σ2-τ23 combined loading; with the transition from transverse compressive stress to tensile stress, the transverse shear strength shows a trend of first increasing and then decreasing, and when the ratio of transverse shear displacement to transverse tensile/compressive displacement is −1, it reaches the maximum. This study provides strong numerical support for the investigation of the interface properties and mechanical behavior of SiCf/SiC composites under complex loading conditions, offering important references for engineering design and material performance optimization.