diff --git a/packages/reactivity/__tests__/ref.spec.ts b/packages/reactivity/__tests__/ref.spec.ts
index 0ee32866da8..3f833fd30de 100644
--- a/packages/reactivity/__tests__/ref.spec.ts
+++ b/packages/reactivity/__tests__/ref.spec.ts
@@ -310,6 +310,21 @@ describe('reactivity/ref', () => {
     expect(isReadonly(x)).toBe(true)
   })
 
+  test('toRef getter object', () => {
+    const obj = toRef(() => ({ a: 1 }))
+
+    expect(isRef(obj)).toBe(true)
+    expect(unref(obj)).toEqual({ a: 1 })
+    expect(obj.value.a).toBe(1)
+
+    //@ts-expect-error
+    obj.value.a = 2
+
+    expect(obj.value.a).toBe(1)
+
+    expect(isReadonly(obj)).toBe(true)
+  })
+
   test('toRefs', () => {
     const a = reactive({
       x: 1,
diff --git a/packages/reactivity/src/ref.ts b/packages/reactivity/src/ref.ts
index e156a2e1134..4b7e593d4c1 100644
--- a/packages/reactivity/src/ref.ts
+++ b/packages/reactivity/src/ref.ts
@@ -14,7 +14,8 @@ import {
   isReactive,
   toReactive,
   isReadonly,
-  isShallow
+  isShallow,
+  type DeepReadonly
 } from './reactive'
 import type { ShallowReactiveMarker } from './reactive'
 import { createDep, Dep } from './dep'
@@ -416,7 +417,7 @@ export type ToRef<T> = IfAny<T, Ref<T>, [T] extends [Ref] ? T : Ref<T>>
 export function toRef<T>(
   value: T
 ): T extends () => infer R
-  ? Readonly<Ref<R>>
+  ? DeepReadonly<Ref<R>>
   : T extends Ref
     ? T
     : Ref<UnwrapRef<T>>