RGB-thermal salient object detection (RGB-T SOD) aims to identify prominent objects by integrating complementary information from RGB and thermal modalities. However, learning the precise boundaries and complete objects remains challenging due to the intrinsic insufficient feature fusion and the extrinsic limitations of data scarcity. In this paper, we propose a novel hybrid prompt-driven segment anything model (HyPSAM), which leverages the zero-shot generalization capabilities of the segment anything model (SAM) for RGB-T SOD. Specifically, we first propose a dynamic fusion network (DFNet) that generates high-quality initial saliency maps as visual prompts. DFNet employs dynamic convolution and multi-branch decoding to facilitate adaptive cross-modality interaction, overcoming the limitations of fixed-parameter kernels and enhancing multi-modal feature representation. Moreover, we propose a plug-and-play refinement network (P2RNet), which serves as a general optimization strategy to guide SAM in refining saliency maps by using hybrid prompts. The text prompt ensures reliable modality input, while the mask and box prompts enable precise salient object localization. Extensive experiments on three public datasets demonstrate that our method achieves state-of-the-art performance. Notably, HyPSAM has remarkable versatility, seamlessly integrating with different RGB-T SOD methods to achieve significant performance gains, thereby highlighting the potential of prompt engineering in this field. The code and results of our method are available at: https://github.com/milotic233/HyPSAM.