فَإِذَا انْقَطَعَ دَمُ الْحَيْضِ لِأَقَلَّ مِنْ عَشَرَةِ أَيَّامٍ، لَمْ يَجُزْ وَطْؤُهَا حَتَّى تَغْتَسِلَ، أَوْ يَمْضِيَ عَلَيْهَا وَقْتُ صَلَاةٍ كَامِلَةٍ.
Meaning: If menstrual bleeding stops before ten days, intercourse is not permitted until she performs ghusl or a complete prayer time passes.
This is a specific Hanafi legal distinction. When bleeding ends before the maximum ten-day period, ghusl or the passing of one entire prayer time is relevant to permissibility of intercourse.
The independent duty of purification for prayer remains; the rulings for prayer and intercourse are not identical.