diff --git a/src/libxrpl/tx/paths/BookStep.cpp b/src/libxrpl/tx/paths/BookStep.cpp
index 113155e530..e7220aae68 100644
--- a/src/libxrpl/tx/paths/BookStep.cpp
+++ b/src/libxrpl/tx/paths/BookStep.cpp
@@ -652,7 +652,15 @@ limitStepIn(
         // under an amendment.
         ofrAmt = offer.limitIn(ofrAmt, inLmt, /* roundUp */ false);
         stpAmt.out = ofrAmt.out;
-        ownerGives = mulRatio(ofrAmt.out, transferRateOut, QUALITY_ONE, /*roundUp*/ false);
+        // Round up for MPT output so the offer owner pays the full
+        // ceil(amount × rate) fee, matching direct Payment semantics.  IOU uses
+        // floating-point arithmetic so the floor/ceil distinction is sub-epsilon
+        // there; preserve the historical false to avoid changing IOU behavior.
+        ownerGives = mulRatio(
+            ofrAmt.out,
+            transferRateOut,
+            QUALITY_ONE,
+            /*roundUp*/ std::is_same_v<TOut, MPTAmount>);
     }
 }
 
@@ -671,7 +679,11 @@ limitStepOut(
     if (limit < stpAmt.out)
     {
         stpAmt.out = limit;
-        ownerGives = mulRatio(stpAmt.out, transferRateOut, QUALITY_ONE, /*roundUp*/ false);
+        ownerGives = mulRatio(
+            stpAmt.out,
+            transferRateOut,
+            QUALITY_ONE,
+            /*roundUp*/ std::is_same_v<TOut, MPTAmount>);
         ofrAmt = offer.limitOut(
             ofrAmt,
             stpAmt.out,
@@ -770,7 +782,11 @@ BookStep<TIn, TOut, TDerived>::forEachOffer(
         TAmounts stpAmt{mulRatio(ofrAmt.in, ofrInRate, QUALITY_ONE, /*roundUp*/ true), ofrAmt.out};
 
         // owner pays the transfer fee.
-        auto ownerGives = mulRatio(ofrAmt.out, ofrOutRate, QUALITY_ONE, /*roundUp*/ false);
+        auto ownerGives = mulRatio(
+            ofrAmt.out,
+            ofrOutRate,
+            QUALITY_ONE,
+            /*roundUp*/ std::is_same_v<TOut, MPTAmount>);
 
         auto const funds = offer.isFunded()
             ? ownerGives  // Offer owner is issuer; they have unlimited funds
diff --git a/src/test/app/OfferMPT_test.cpp b/src/test/app/OfferMPT_test.cpp
index 8c07a43983..11c73b0c83 100644
--- a/src/test/app/OfferMPT_test.cpp
+++ b/src/test/app/OfferMPT_test.cpp
@@ -2725,6 +2725,50 @@ public:
         using namespace jtx;
         auto const gw1 = Account("gateway1");
 
+        {
+            auto const issuer = Account("issuer");
+            auto const sender = Account("sender");
+            auto const receiver = Account("receiver");
+            auto const seller = Account("seller");
+            auto const buyer = Account("buyer");
+
+            Env env{*this, features};
+            env.fund(XRP(10'000), issuer, sender, receiver, seller, buyer);
+            env.close();
+
+            MPTTester mpt{
+                {.env = env,
+                 .issuer = issuer,
+                 .holders = {sender, receiver, seller, buyer},
+                 .transferFee = 100}};
+            MPT const token = mpt;
+
+            mpt.pay(issuer, sender, 2'000);
+            mpt.pay(issuer, seller, 2'000);
+
+            // A direct holder-to-holder payment of 999 MPT at a 0.1% fee
+            // requires 1000 from the sender and burns one MPT.
+            env(pay(sender, receiver, token(999)), Ter(tecPATH_PARTIAL));
+            env.close();
+            env(pay(sender, receiver, token(999)), Sendmax(token(1'000)));
+            env.close();
+
+            BEAST_EXPECT(mpt.getBalance(sender) == 1'000);
+            BEAST_EXPECT(mpt.getBalance(receiver) == 999);
+            BEAST_EXPECT(mpt.getBalance(issuer) == 3'999);
+
+            // CLOB crossing should apply the same fee quantum.  The offer
+            // owner pays ceil(999 * 1.001) = 1000, not floor(...) = 999.
+            env(offer(seller, XRP(999), token(999)));
+            env.close();
+            env(offer(buyer, token(999), XRP(999)));
+            env.close();
+
+            BEAST_EXPECT(mpt.getBalance(seller) == 1'000);
+            BEAST_EXPECT(mpt.getBalance(buyer) == 999);
+            BEAST_EXPECT(mpt.getBalance(issuer) == 3'998);
+        }
+
         auto test = [&](auto&& issue1, auto&& issue2) {
             Env env{*this, features};