Fine-particle pollution associated with high sulfate and secondary organic aerosol (SOA) contents still occurs in winter, despite considerable reductions in precursor emissions in China. The chemical mechanisms involved are consistently acknowledged to be linked with aerosol water but remain poorly understood. Here, we present findings demonstrating that the synergistic effect of elevated aerosol water content and particles originating from fossil fuel combustion significantly enhanced the rapid formation of sulfate and SOAs under high humidity conditions during winter in northern China. The presence of high aerosol water content promoted the aging process of particles containing elemental carbon (EC) and facilitated the formation of SOAs. Evidence from single particles reveals an increased potential for SOA formation from primary organic aerosols (POAs) originating from fossil fuel combustion, in the presence of increasing aerosol water. Under conditions of relative humidity exceeding 85%, the multiphase oxidation of SO2 by in-particle nitrite/nitrous acid, generated through reactions involving aged EC-containing and iron-rich particles, as well as aqueous-phase formation of hydroxymethanesulfonate (HMS), led to a substantial increase in sulfate production. This study emphasizes the critical role of aerosol water in the aerosol chemistry concerning sulfate and SOAs, highlighting the urgent necessity to mitigate primary emissions from fossil fuel combustion.