وَمَنْ جَامَعَ فِي أَحَدِ السَّبِيلَيْنِ قَبْلَ الْوُقُوفِ بِعَرَفَةَ فَسَدَ حَجُّهُ وَعَلَيْهِ شَاةٌ
Translation: Whoever has intercourse in either specified manner before standing at Arafat invalidates the Hajj and owes one sheep.
The decisive timing is before the standing at Arafat. The words fasada hajjuhu declare the Hajj invalid, while ʿalayhi shatun prescribe one sheep.
Ahad al-sabilayn is a technical legal expression for vaginal or anal penetration, not merely kissing, touching, or any form of closeness.