Humans naturally grasp objects with minimal level required force for stability, whereas robots often rely on rigid, over-squeezing control. To narrow this gap, we propose a human-inspired physics-conditioned tactile method (Phy-Tac) for force-optimal stable grasping (FOSG) that unifies pose selection, tactile prediction, and force regulation. A physics-based pose selector first identifies feasible contact regions with optimal force distribution based on surface geometry. Then, a physics-conditioned latent diffusion model (Phy-LDM) predicts the tactile imprint under FOSG target. Last, a latent-space LQR controller drives the gripper toward this tactile imprint with minimal actuation, preventing unnecessary compression. Trained on a physics-conditioned tactile dataset covering diverse objects and contact conditions, the proposed Phy-LDM achieves superior tactile prediction accuracy, while the Phy-Tac outperforms fixed-force and GraspNet-based baselines in grasp stability and force efficiency. Experiments on classical robotic platforms demonstrate force-efficient and adaptive manipulation that bridges the gap between robotic and human grasping.