Recent advances in remote sensing technology have made submeter resolution imagery increasingly accessible, offering remarkable detail for fine-grained land cover analysis. However, its full potential remains underutilized - particularly for large-scale land cover mapping - due to the lack of sufficient, high-quality annotated datasets. Existing labels are typically derived from pre-existing products or manual annotation, which are often unreliable or prohibitively expensive, particularly given the rich visual detail and massive data volumes of submeter imagery. Inspired by the spatial autocorrelation principle, which suggests that objects of the same class tend to co-occur with similar visual features in local neighborhoods, we propose the Mask Clustering-based Annotation Engine (MCAE), which treats semantically consistent mask groups as the minimal annotating units to enable efficient, simultaneous annotation of multiple instances. It significantly improves annotation efficiency by one to two orders of magnitude, while preserving label quality, semantic diversity, and spatial representativeness. With MCAE, we build a high-quality annotated dataset of about 14 billion labeled pixels, referred to as HiCity-LC, which supports the generation of city-scale land cover maps across five major Chinese cities with classification accuracies above 85%. It is the first publicly available submeter resolution city-level land cover benchmark, highlighting the scalability and practical utility of MCAE for large-scale, submeter resolution mapping. The dataset is available at https://github.com/chenhaocs/MCAE