An interchangeable and fully adjustable solar thermal-photovoltaic concentrator system is provided, comprising: one or more heat collecting elements; one or more primary reflectors having one or more openings; one or more sunray directing optical mechanisms at the sun-collecting side of primary reflectors and between the heat collecting elements and openings in the primary reflectors; one or more PV cell modules disposed at the non-sun-collecting side of the primary reflectors; and one or more sunray distributing optical mechanisms disposed at the non-sun-collecting side of the primary reflectors. Wherein after sunrays irradiate to the primary reflectors, a proportion of sunrays ranging from 0% to 100% are reflected to one or more heat collecting elements and the remaining sunrays are directed by the sunray directing optical mechanisms, through openings in the primary reflectors, and distributed by the sunray distributing optical mechanisms to one or more PV cell modules.