Gisele is saying what EVERY Patriots fan was thinking last night ... Tom Brady needed some "f*cking" help from his teammates during the Super Bowl. 

On her way out of the stadium last night, the supermodel was heckled by New York Giants fans ... one who screamed, "Eli owns your husband."

Gisele didn't shout back ... but turned to a friend and said, "My husband can not f****ing throw the ball and catch the ball at the same time. I can't believe they dropped the ball so many times." 

Clearly, G was taking a shot at Wes Welker, Aaron Hernandez ... and every other Pats player who CHOKED during the big game. 

The comment was captured on tape and has already hit the Internet. 

A short time later, Gisele could be seen comforting her hubby in the bowels of the stadium. 

So, we gotta ask ...