You can subcaption an empty minipage, similar to what's shown in section 2 of the subcaption documentation.

\documentclass{article}
\usepackage{graphicx}
\usepackage{subcaption}
\begin{document}
\begin{figure}
\centering
\includegraphics[width=0.5\textwidth]{example-image-a}
\begin{minipage}{0.25\textwidth}
\subcaption{\label{left} Left half}
\end{minipage}
\begin{minipage}{0.25\textwidth}
\subcaption{\label{right} Right half}
\end{minipage}
\caption{\label{figure} Overall caption}
\end{figure}
Figure~\ref{figure} has \ref{left} on the left, and \ref{right} on the right,
also known as \subref{left} and \subref{right}.
\end{document}