Hi,
That's how it is supposed to be. So I can't give a fix that we would include on our end.
It's normal that the shipping fees are counted for the restrictions on the payment methods.
You'll have to add the line:
$price = $order->full_total->prices[0]->price_value_without_shipping_with_tax;
before the line:
if(!empty($method->payment_params->payment_min_price) && hikashop_toFloat($method->payment_params->payment_min_price) > $price) {
in the file administrator/components/com_hikashop/helpers/helper.php and it should work like you want.