We conduct a detailed spectral analysis of the Galactic ultraluminous X-ray pulsar Swift J0243.6+6124 in its sub-Eddington regime, using Insight-HXMT and NICER observations during multiple outbursts including the 2018 giant outburst. We discover a new transition at , accompanied by systematic evolution of spectral parameters, in particular a significant turnover in the blackbody normalization. This transition luminosity in the sub-Eddington regime represents the fifth transition identified so far in Swift J0243.6+6124, further highlighting the complexity of its accretion-powered emission. We interpret the transition in terms of a multipolar magnetic-field configuration, where weak () and strong () magnetic poles dominate the emission at different accretion rates. On the magnetospheric scale, this configuration is equivalent to an effective dipole field of , while allowing the local surface field to exceed .

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