diff --git a/domain/sap10_calculator/rdsap/cert_to_inputs.py b/domain/sap10_calculator/rdsap/cert_to_inputs.py
index 45aa4096..9127ebf0 100644
--- a/domain/sap10_calculator/rdsap/cert_to_inputs.py
+++ b/domain/sap10_calculator/rdsap/cert_to_inputs.py
@@ -1835,6 +1835,33 @@ def pcdb_combi_loss_override(
             return None
 
 
+# SAP 10.2 §4 line 7702 gates the Table 3a keep-hot combi loss default
+# to combi boilers ("enter '0' if not a combi boiler"). The Open EPC API
+# typically lodges `sap_main_heating_code = None` so we cannot key off the
+# precise SAP code; the next best signal is `main_heating_category`.
+# Categories 1 and 2 enumerate the gas / oil / solid-fuel boiler family
+# (which contains all combi boilers); categories 3 and 6 are community
+# heat networks (treated as boiler-like by the cascade and the existing
+# DLF-scaling regression test). Categories 4 (heat pump), 5 (warm air),
+# 7 (electric storage), 10 (room heaters) etc. are never combis and must
+# zero (61)m per the spec.
+_TABLE_3A_COMBI_LOSS_MAIN_HEATING_CATEGORIES: Final[frozenset[int]] = frozenset(
+    {1, 2, 3, 6}
+)
+
+
+def _table_3a_combi_loss_default_applies(main: Optional[MainHeatingDetail]) -> bool:
+    """Gate for the Table 3a keep-hot 600 kWh/yr fall-through per SAP 10.2
+    §4 line 7702. Returns True only when the main heating system is in the
+    boiler family or a community heat network — outside that set the spec's
+    "enter '0' if not a combi boiler" rule fires and the cascade must zero
+    (61)m.
+    """
+    if main is None:
+        return False
+    return main.main_heating_category in _TABLE_3A_COMBI_LOSS_MAIN_HEATING_CATEGORIES
+
+
 def _water_heating_worksheet_and_gains(
     *,
     epc: EpcPropertyData,
@@ -1869,6 +1896,14 @@ def _water_heating_worksheet_and_gains(
         energy_content_monthly_kwh=bootstrap.energy_content_monthly_kwh,
         daily_hot_water_monthly_l_per_day=bootstrap.daily_hot_water_l_per_day_monthly,
     )
+    # SAP 10.2 §4 line 7702: non-combi main heating → (61)m = 0. Without
+    # this gate the cascade falls through to `combi_loss_monthly_kwh_table_
+    # 3a_keep_hot_time_clock()` (600 kWh/yr) on every cert lacking a PCDB
+    # Table 105 boiler record — including all heat pump certs.
+    if combi_loss_override is None and not _table_3a_combi_loss_default_applies(
+        _first_main_heating(epc)
+    ):
+        combi_loss_override = zero_monthly
     wh_result = water_heating_from_cert(
         epc=epc,
         mixer_shower_flow_rates_l_per_min=_mixer_shower_flow_rates_from_cert(epc),
diff --git a/domain/sap10_calculator/rdsap/tests/test_cert_to_inputs.py b/domain/sap10_calculator/rdsap/tests/test_cert_to_inputs.py
index f7680043..009ed92b 100644
--- a/domain/sap10_calculator/rdsap/tests/test_cert_to_inputs.py
+++ b/domain/sap10_calculator/rdsap/tests/test_cert_to_inputs.py
@@ -29,6 +29,7 @@ from domain.sap10_ml.tests._fixtures import (
 )
 from domain.sap10_calculator.calculator import Sap10Calculator, SapResult
 from domain.sap10_calculator.rdsap.cert_to_inputs import (
+    _water_heating_worksheet_and_gains,
     cert_to_demand_inputs,
     cert_to_inputs,
     pcdb_combi_loss_override,
@@ -1013,3 +1014,56 @@ def test_pcdb_combi_loss_override_returns_none_for_untested_or_storage_combis()
         )
         is None
     )
+
+
+def test_air_source_heat_pump_main_heating_zeroes_table_3a_combi_loss_per_sap_4_line_7702() -> None:
+    """SAP 10.2 §4 line 7702 worksheet defines (61)m as 'Combi loss for
+    each month from Table 3a, 3b or 3c (enter "0" if not a combi
+    boiler)'. Air Source Heat Pump main heating (main_heating_category=4)
+    is NOT a combi boiler — the Table 3a keep-hot 600 kWh/yr fall-through
+    in `water_heating_from_cert` must be gated by a main-heating-category
+    check so non-combi certs receive (61)m = 0 per the spec parenthetical.
+
+    Without this gate the cascade silently inflates HW fuel by ~260 kWh/yr
+    (~1.6 SAP points) on every HP cert that lacks a PCDB Table 105 record
+    (i.e. every HP cert — Table 105 only contains gas/oil boilers).
+    """
+    # Arrange — synthetic semi-detached, ASHP main heating
+    # (main_heating_category=4, fuel=29 electricity), hot water from
+    # cylinder via main heating (water_heating_code=901).
+    hp_main = MainHeatingDetail(
+        has_fghrs=False,
+        main_fuel_type=29,  # electricity
+        heat_emitter_type=1,
+        emitter_temperature=1,
+        main_heating_control=2206,
+        main_heating_category=4,  # heat pump
+        sap_main_heating_code=None,  # Open EPC API typically lodges None
+    )
+    epc = make_minimal_sap10_epc(
+        total_floor_area_m2=_TYPICAL_TFA_M2,
+        habitable_rooms_count=4,
+        country_code="ENG",
+        sap_building_parts=[make_building_part()],
+        sap_heating=make_sap_heating(
+            main_heating_details=[hp_main],
+            water_heating_code=901,  # from main heating
+        ),
+    )
+
+    # Act — run the §4 worksheet cascade as the orchestrator does.
+    wh_result, _ = _water_heating_worksheet_and_gains(
+        epc=epc,
+        water_efficiency_pct=1.7,  # arbitrary; combi loss is upstream of η
+        is_instantaneous=False,
+        primary_age="D",
+        pcdb_record=None,  # no PCDB Table 105 boiler record for an HP
+    )
+
+    # Assert — (61)m = (0,)*12 for a non-combi main.
+    assert wh_result is not None
+    for month_idx, value in enumerate(wh_result.combi_loss_monthly_kwh):
+        assert value == 0.0, (
+            f"month {month_idx}: combi loss {value!r} should be 0 for "
+            f"non-combi main heating per SAP 10.2 §4 line 7702"
+        )