Accurate estimation of ambient PM_2.5 concentrations is crucial for assessing air quality and health risks, particularly in regions with limited ground-based monitoring. Satellite-retrieved data products, such as top-of-atmosphere reflectance (TOAR) and aerosol optical depth (AOD), are widely used for PM_2.5 estimation. However, complex atmospheric conditions cause retrieval gaps in TOAR and AOD products, limiting their reliability. This study introduced a spatiotemporal convolutional approach to fill sampling gaps in TOAR and AOD data from the Himawari-8 geostationary satellite over the Yangtze River Delta (YRD) in 2016. Four machine-learning models (random forest, extreme gradient boosting, gradient boosting, and support vector regression) were used to estimate hourly PM_2.5 concentrations by integrating gap-filled and original TOAR and AOD data with meteorological variables. The random forest model trained on gap-filled TOAR data yielded the highest predictive accuracy (R² = 0.75, RMSE = 18.30 μg m⁻³). Significant seasonal variations in PM_2.5 estimates were found, with TOAR-based models outperforming AOD-based models. Furthermore, we observed that a substantial portion of the YRD population in non-attainment areas is at risk of cardiovascular disease due to chronic PM_2.5 exposure. This study suggests that TOAR-based models offer more reliable PM_2.5 estimates, enhancing air-quality assessments and public health-risk evaluations.