3D semantic occupancy prediction offers an intuitive and efficient scene understanding and has attracted significant interest in autonomous driving perception. Existing approaches either rely on full supervision, which demands costly voxel-level annotations, or on self-supervision, which provides limited guidance and yields suboptimal performance. To address these challenges, we propose OccLE, a Label-Efficient 3D Semantic Occupancy Prediction that takes images and LiDAR as inputs and maintains high performance with limited voxel annotations. Our intuition is to decouple the semantic and geometric learning tasks and then fuse the learned feature grids from both tasks for the final semantic occupancy prediction. Therefore, the semantic branch distills 2D foundation model to provide aligned pseudo labels for 2D and 3D semantic learning. The geometric branch integrates image and LiDAR inputs in cross-plane synergy based on their inherency, employing semi-supervision to enhance geometry learning. We fuse semantic-geometric feature grids through Dual Mamba and incorporate a scatter-accumulated projection to supervise unannotated prediction with aligned pseudo labels. Experiments show that OccLE achieves competitive performance with only 10% of voxel annotations, reaching a mIoU of 16.59% on the SemanticKITTI validation set.