The X-mount.subdir option uses a detached-tree fast path on Linux 6.15 and later and passes the configured subdirectory to open_tree() with AT_SYMLINK_NOFOLLOW. That flag does not stop intermediate symlink traversal or keep resolution inside the newly mounted filesystem. A local unprivileged user with an fstab-authorized X-mount.subdir entry can attach a host path at the intended mountpoint.
Upgrade to util-linux v2.41.6, v2.42.3, or later. Until a fix is applied, do not allow unprivileged /etc/fstab entries that specify X-mount.subdir.