diff --git a/packages/pinia-colada/src/meta.test.ts b/packages/pinia-colada/src/meta.test.ts
index 141b9fa23..17d2dbbe9 100644
--- a/packages/pinia-colada/src/meta.test.ts
+++ b/packages/pinia-colada/src/meta.test.ts
@@ -145,6 +145,36 @@ describe('contractOptionsUtilsPlugin', () => {
     expect(client.planet.find).toHaveBeenCalledTimes(1)
   })
 
+  it('lets object utils options beat defaults of a function meta modifier', () => {
+    const contract = {
+      planet: {
+        find: oc.meta(piniaColada({
+          queryOptions: (options: any) => ({ staleTime: 1000, gcTime: 1, ...options }),
+        })),
+      },
+    }
+
+    const client = { planet: { find: vi.fn(async () => '__found__') } }
+
+    const utils = createRouterUtils(client as any, {
+      scoped: {
+        planet: {
+          find: {
+            queryOptions: { gcTime: 2 },
+          },
+        },
+      },
+      plugins: [new ContractOptionsUtilsPlugin(contract)],
+    }) as any
+
+    const options = utils.planet.find.queryOptions({ input: { id: 1 } })
+
+    expect(options.staleTime).toBe(1000)
+    expect(options.gcTime).toBe(2)
+
+    expect(utils.planet.find.queryOptions({ input: { id: 1 }, gcTime: 5 }).gcTime).toBe(5)
+  })
+
   it('keeps contract meta interceptors when utils define none', async () => {
     const metaInterceptor = vi.fn(({ next }: any) => next())
     const contract = { planet: { find: oc.meta(piniaColada({ queryInterceptors: [metaInterceptor] })) } }
diff --git a/packages/pinia-colada/src/procedure-utils.test.ts b/packages/pinia-colada/src/procedure-utils.test.ts
index 21297ddba..1088749e7 100644
--- a/packages/pinia-colada/src/procedure-utils.test.ts
+++ b/packages/pinia-colada/src/procedure-utils.test.ts
@@ -1004,4 +1004,14 @@ describe('mergeProcedureUtilsOptions', () => {
 
     expect((functionFirst.queryOptions as any)({ enabled: true })).toEqual({ enabled: true, staleTime: 1000, gcTime: 2 })
   })
+
+  it('lets an object override beat defaults of a function base, below per-call options', () => {
+    const merged = mergeProcedureUtilsOptions<any, any, any, any>(
+      { queryOptions: (options: any) => ({ staleTime: 1000, ...options }) },
+      { queryOptions: { staleTime: 0 } },
+    )
+
+    expect((merged.queryOptions as any)({})).toEqual({ staleTime: 0 })
+    expect((merged.queryOptions as any)({ staleTime: 5 })).toEqual({ staleTime: 5 })
+  })
 })
diff --git a/packages/pinia-colada/src/procedure-utils.ts b/packages/pinia-colada/src/procedure-utils.ts
index ff01b4e8f..27f8701d0 100644
--- a/packages/pinia-colada/src/procedure-utils.ts
+++ b/packages/pinia-colada/src/procedure-utils.ts
@@ -215,22 +215,25 @@ function mergeProcedureUtilsModifier<T extends object>(
   base: ProcedureUtilsModifier<T>,
   override: ProcedureUtilsModifier<T>,
 ): ProcedureUtilsModifier<T> {
-  if (typeof base !== 'function' && typeof override !== 'function') {
-    return { ...base, ...override } as Partial<T>
+  if (typeof override !== 'function') {
+    if (typeof base !== 'function') {
+      return { ...base, ...override } as Partial<T>
+    }
+
+    return options => base({ ...override, ...options })
   }
 
   const applyBase = typeof base === 'function' ? base : (options: T) => ({ ...base, ...options })
-  const applyOverride = typeof override === 'function' ? override : (options: T) => ({ ...override, ...options })
 
-  return options => applyOverride(applyBase(options))
+  return options => override(applyBase(options))
 }
 
 /**
  * Merge two procedure utils options where `override` takes priority.
  * A key explicitly set to `undefined` in `override` resets the base value.
- * When both sides define a key: interceptors are concatenated (base ones run first),
- * modifiers are spread-merged when both are plain objects and composed (base applied
- * first) otherwise, with plain objects applied as regular spread merges.
+ * When both sides define a key, interceptors are concatenated (base ones run first) and
+ * modifiers are combined so that, for object values, per-call options beat `override`,
+ * which beats `base`. A function modifier receives the merged options and its result wins.
  */
 export function mergeProcedureUtilsOptions<TClientContext extends ClientContext, TInput, TOutput, TError>(
   base: ProcedureUtilsOptions<TClientContext, TInput, TOutput, TError>,
diff --git a/packages/tanstack-query/src/meta.test.ts b/packages/tanstack-query/src/meta.test.ts
index 1f244dbbb..8aa362601 100644
--- a/packages/tanstack-query/src/meta.test.ts
+++ b/packages/tanstack-query/src/meta.test.ts
@@ -145,6 +145,36 @@ describe('contractMetaPlugin', () => {
     expect(client.planet.find).toHaveBeenCalledTimes(1)
   })
 
+  it('lets object utils options beat defaults of a function meta modifier', () => {
+    const contract = {
+      planet: {
+        find: oc.meta(tanstackQuery({
+          queryOptions: (options: any) => ({ staleTime: 1000, retry: 1, ...options }),
+        })),
+      },
+    }
+
+    const client = { planet: { find: vi.fn(async () => '__found__') } }
+
+    const utils = createRouterUtils(client as any, {
+      scoped: {
+        planet: {
+          find: {
+            queryOptions: { retry: 2 },
+          },
+        },
+      },
+      plugins: [new ContractOptionsUtilsPlugin(contract)],
+    }) as any
+
+    const options = utils.planet.find.queryOptions({ input: { id: 1 } })
+
+    expect(options.staleTime).toBe(1000)
+    expect(options.retry).toBe(2)
+
+    expect(utils.planet.find.queryOptions({ input: { id: 1 }, retry: 5 }).retry).toBe(5)
+  })
+
   it('keeps contract meta interceptors when utils define none', async () => {
     const metaInterceptor = vi.fn(({ next }: any) => next())
     const contract = { planet: { find: oc.meta(tanstackQuery({ queryInterceptors: [metaInterceptor] })) } }
diff --git a/packages/tanstack-query/src/procedure-utils.test.ts b/packages/tanstack-query/src/procedure-utils.test.ts
index d8fa0fa1a..730b0904c 100644
--- a/packages/tanstack-query/src/procedure-utils.test.ts
+++ b/packages/tanstack-query/src/procedure-utils.test.ts
@@ -1253,4 +1253,14 @@ describe('mergeProcedureUtilsOptions', () => {
 
     expect((functionFirst.queryOptions as any)({ enabled: true })).toEqual({ enabled: true, staleTime: 1000, retry: 2 })
   })
+
+  it('lets an object override beat defaults of a function base, below per-call options', () => {
+    const merged = mergeProcedureUtilsOptions<any, any, any, any>(
+      { queryOptions: (options: any) => ({ staleTime: 1000, ...options }) },
+      { queryOptions: { staleTime: 0 } },
+    )
+
+    expect((merged.queryOptions as any)({})).toEqual({ staleTime: 0 })
+    expect((merged.queryOptions as any)({ staleTime: 5 })).toEqual({ staleTime: 5 })
+  })
 })
diff --git a/packages/tanstack-query/src/procedure-utils.ts b/packages/tanstack-query/src/procedure-utils.ts
index d817a1b33..d396574d4 100644
--- a/packages/tanstack-query/src/procedure-utils.ts
+++ b/packages/tanstack-query/src/procedure-utils.ts
@@ -227,22 +227,25 @@ function mergeProcedureUtilsModifier<T extends object>(
   base: ProcedureUtilsModifier<T>,
   override: ProcedureUtilsModifier<T>,
 ): ProcedureUtilsModifier<T> {
-  if (typeof base !== 'function' && typeof override !== 'function') {
-    return { ...base, ...override } as Partial<T>
+  if (typeof override !== 'function') {
+    if (typeof base !== 'function') {
+      return { ...base, ...override } as Partial<T>
+    }
+
+    return options => base({ ...override, ...options })
   }
 
   const applyBase = typeof base === 'function' ? base : (options: T) => ({ ...base, ...options })
-  const applyOverride = typeof override === 'function' ? override : (options: T) => ({ ...override, ...options })
 
-  return options => applyOverride(applyBase(options))
+  return options => override(applyBase(options))
 }
 
 /**
  * Merge two procedure utils options where `override` takes priority.
  * A key explicitly set to `undefined` in `override` resets the base value.
- * When both sides define a key: interceptors are concatenated (base ones run first),
- * modifiers are spread-merged when both are plain objects and composed (base applied
- * first) otherwise, with plain objects applied as regular spread merges.
+ * When both sides define a key, interceptors are concatenated (base ones run first) and
+ * modifiers are combined so that, for object values, per-call options beat `override`,
+ * which beats `base`. A function modifier receives the merged options and its result wins.
  */
 export function mergeProcedureUtilsOptions<TClientContext extends ClientContext, TInput, TOutput, TError>(
   base: ProcedureUtilsOptions<TClientContext, TInput, TOutput, TError>,