The seasonal ice cover in lakes of the Qinghai–Tibet Plateau is a transient and vulnerable part of the cryosphere, whose characteristics depend on the regional climate: strong solar radiation in the context of the dry and cold environment because of the high altitude and relatively low latitude. We use the first under-ice temperature observations from the largest Tibetan freshwater lake, Ngoring Lake, and a one-dimensional lake model to quantify the mechanism of solar thermal accumulation under ice, which relies on the ice optical properties and weather conditions, as well as the effect of the accumulated heat on the land–atmosphere heat exchange after the ice breakup. The model was able to realistically simulate the feature of the Ngoring Lake thermal regime: the “summer-like” temperature stratification with temperatures exceeding the maximum density point of 3.98 ∘C across the bulk of the freshwater column. A series of sensitivity experiments revealed solar radiation was the major source of under-ice warming and demonstrated that the warming phenomenon was highly sensitive to the optical properties of ice. The heat accumulated under ice contributed to the heat release from the lake to the atmosphere for 1–2 months after ice-off, increasing the upward sensible and latent surface heat fluxes on average by ∼ 50 and ∼ 80 W m−2, respectively. Therefore, the delayed effect of heat release on the land–atmosphere interaction requires an adequate representation in regional climate modeling of the Qinghai–Tibet Plateau and other lake-rich alpine areas.