I can solve this but I get confused about replacement or not. The textbook gives the answer as $\frac{13}{102}$ which means they count the number of ways to pick a spade ${13\choose1}$ times the number of ways to pick a heart ${13\choose1}$ over the total number of ways to pick $2$ cards ${52\choose2}$. This means they consider the $2$ card draws to be independent. However, if I do probabilities:
$$ P(S \cap H) = P(S)P(H | S) = \frac{1}{4} \times \frac{13}{51} = \frac{13}{204}. $$
I'm not sure who's right and who isn't. For me, it makes more sense that the answer is $\frac{13}{204}$ because there is no way to draw $2$ cards independently unless you draw one, replace it and reshuffle the deck and draw the other. However, the question does not say this is the case $-$ it just says "two cards are drawn".
Why do you think the first answer requires independence? If we did it with independence the probability the first is a heart then a a spade would be $\frac 14\cdot \frac 14$ and the probability of a spade then a heart would be $\frac 14\cdot \frac 14$ and the probability would be $\frac 14 \frac 14 + \frac 14 \frac 14 = \frac 18$.
That's not quite right. What does "$S$" mean? Does it mean a specific card is a spade? Or does it mean at least one of two cards is a spade? Or something else. If $P(S) = \frac 14$ this seems to imply you mean a specific card is a spade. But then $P(S\cap H)$ would mean the probability that a specific card is both a heart and a spade and $P(H|S)$ is the probability of a card being a spade given we know it is a heart. (So $0 = P(S\cap H) = P(S)P(H|S) = \frac 14\cdot 0 = 0$.)
Or maybe $S$ means a specific card is a spade, and $H$ means the other card is a heart. Then your calculation is correct..... But you figured the probability that a specific card is a spade and the other specific card is a heart.... And that was not the question. The question was that either card is a spade and the other card is a heart.
If $S$ at least one card of two is a spade and $H$ is at least one card of two is a heart then to calculate conditional probability would go like this:
$P(H\cap S) = P(S)P(H|S)$ is $\frac {13*39 + 39*13+13*13}{52*51}\cdot \frac{ 13*13 + 13*13}{13*39 + 39*13 + 13*13}=$
$\frac {13\cdot 26}{52*51}= \frac {13}{102}$
But that's a ridiculously hard way to do it.
Better to either figure there are $2\times 13 \times 13$ (heart, spade) and (spade, heart) pairs where order matters out of $52\times 51$ combos; or there are $13\times 13$ (heart,spade) pairs were order doesn't matter out of ${52\choose 2}$ combos.
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tl;dr
you figured out the probability of a specific card being a spade and the other not being. As order does not matter the probability is one half of that.