The four options
Lump sum, or quarterly instalments over one, two or three years. Longer plans cost more in total — the difference between the lump sum and the 3-year price is the financing cost, and on a 1 Kanal it is PKR 12,123,125, about 16.6%. There is no additional rebate for paying in one go: DHA’s own FAQ says the lump-sum price already has the rebate built into it.
Clause 7: your plan can never be changed. “Payment plan once selected cannot be changed.” Choose on the form, and you are on that plan for its whole life. If there is any chance your cash flow tightens, the longer plan with the smaller quarterly instalment is the safer choice even though it costs more — because clause 9 turns two missed instalments into a default and clause 10 takes 20% of everything you have paid.
The deadline, exactly as printed
| Plan | Payment due | Amount |
|---|---|---|
| Lump sum | 30 days after ballot | 100% of the sale price |
| 1 Year (4 quarterly instalments) | 30 days after ballot | 20% down |
| 2 Years (8 quarterly instalments) | 27 days after ballot | 20% down |
| 3 Years (12 quarterly instalments) | 30 days after ballot | 20% down |
The 27-day line. On the form’s payment table the 2-year plan says the 20% down payment is due “within 27 days after Ballot”, while clause 7 in the body text says 30 days for everything. We have reproduced it as printed rather than tidying it up. Whether it is a typo or deliberate, the safe reading is the shorter one: treat 27 days as your deadline on the 2-year plan, ask DHA to confirm in writing, and in every case pay well before the last week. Missing it cancels the allotment automatically under clause 7.
3rd ballot: DHA had extended the down-payment deadline to 4 November 2026 (DHA's own banner on dhai-r.com.pk, “DEADLINE EXTENDED TO 4 NOV 2026”, image file dated 23 October 2026, re-read by us on 5 November 2026); that date has passed. DHA’s FAQ says a surcharge applies to late payment, and clause 7 says an unpaid allotment cancels, so if you have not paid, ask DHA where you stand: 051-111-555-400, ext 1307.
What each instalment actually is
DHA publishes the total and the down payment. It does not publish the quarterly figure, which is the number you actually have to find, four times a year. Here it is — our arithmetic, from DHA’s figures.
| Plot | Plan | Total | 20% down | Quarters | Per quarter |
|---|---|---|---|---|---|
| 5 Marla | 1 Year | PKR 22,562,500 | PKR 4,512,500 | 4 | PKR 4,512,500 |
| 5 Marla | 2 Years | PKR 23,750,000 | PKR 4,750,000 | 8 | PKR 2,375,000 |
| 5 Marla | 3 Years | PKR 25,000,000 | PKR 5,000,000 | 12 | PKR 1,666,667 |
| 10 Marla | 1 Year | PKR 44,222,500 | PKR 8,844,500 | 4 | PKR 8,844,500 |
| 10 Marla | 2 Years | PKR 46,550,000 | PKR 9,310,000 | 8 | PKR 4,655,000 |
| 10 Marla | 3 Years | PKR 49,000,000 | PKR 9,800,000 | 12 | PKR 3,266,667 |
| 1 Kanal | 1 Year | PKR 76,712,500 | PKR 15,342,500 | 4 | PKR 15,342,500 |
| 1 Kanal | 2 Years | PKR 80,750,000 | PKR 16,150,000 | 8 | PKR 8,075,000 |
| 1 Kanal | 3 Years | PKR 85,000,000 | PKR 17,000,000 | 12 | PKR 5,666,667 |
A 1 Kanal on the 3-year plan means finding PKR 5,666,667 every three months for three years after a PKR 17,000,000 down payment. That is the commitment. Anyone selling you the lump-sum headline without that sentence is selling, not advising.
Commercial plots
The same four plans apply to the commercial sizes. Height is fixed by size: LG+G+1 or G+2 on the two smaller footprints, LG+G+5 or G+6 on the two larger.
| Size | Lump sum | 1 year | 2 years | 3 years | 20% down, 3 yr |
|---|---|---|---|---|---|
| 100 sq yd · LG+G+1 or G+2 | PKR 81,450,625 | PKR 85,737,500 | PKR 90,250,000 | PKR 95,000,000 | PKR 19,000,000 |
| 133.25 sq yd · LG+G+1 or G+2 | PKR 120,032,500 | PKR 126,350,000 | PKR 133,000,000 | PKR 140,000,000 | PKR 28,000,000 |
| 200 sq yd · LG+G+5 or G+6 | PKR 145,753,750 | PKR 153,425,000 | PKR 161,500,000 | PKR 170,000,000 | PKR 34,000,000 |
| 500 sq yd · LG+G+5 or G+6 | PKR 342,950,000 | PKR 361,000,000 | PKR 380,000,000 | PKR 400,000,000 | PKR 80,000,000 |
Work out your own numbers
Pick the size, plan and category. The calculator adds clause 13’s premium and the buyer’s 236K withholding to DHA’s figure and gives the amount due inside the 30 days and the figure for every quarter after it.
Your plot
The category is decided by the Margalla Enclave management, not by you. If you do not know it yet, leave it on ordinary and treat the result as a floor.
Prices and plans are DHA’s, from the application form dated 14 August 2026. The category premium, the quarterly figure and the withholding are our arithmetic on those numbers. DHA charges are excluded — the form’s own footnote says prices exclude them and DHA has not published a schedule we could verify, so the “all-in” figure is indicative and will be higher in practice.
The premium, the quarterly figure and the withholding are our arithmetic on DHA’s numbers. 236K is shown at the filer rate, worked on DHA’s price. The Act puts it on the fair market value, and we have not confirmed which value the registering office uses, so read it as an order of magnitude. Taxes on a plot.
Payment plan PDF
DHA prints the plans inside its application form. We transcribed them on 1 September 2026 into a one-page PDF that adds the quarterly figure for every size and plan. If ours and DHA’s ever disagree, DHA’s wins; tell us and we will correct ours.
What default and a refund actually look like
Clause 9 defines it as two consecutive missed instalments, a final instalment more than four months late, or an “inconsistent pattern of instalment payments” — a phrase broad enough to be worth noticing. You then get a 30-day formal notice. Fail to clear everything, including surcharges, and the allotment is cancelled. There is also a penalty on the overdue amount at a rate the management sets; the form does not say what that rate is.
Then clause 10 applies: you are refunded what you deposited minus 20% as administrative and processing charges, calculated on the total deposited. DHA charges and government taxes already paid are not refunded at all. No interest, no compensation for the years your money sat there. It arrives within 120 business days.
What that costs in rupees. Suppose you take a 1 Kanal on the 3-year plan, pay the PKR 17,000,000 down payment and four quarterly instalments, then have to stop. You have deposited about PKR 39,666,668. The 20% deduction is PKR 7,933,334 — gone, before you even count the taxes and DHA charges that are not refundable at all.
This is not a reason to avoid the project. It is a reason to choose the plan you can service in a bad year, not the one you can service in a good one.
Last checked . First published .
Not sure which plan you can actually carry?
Tell Muhammad Hasnain your realistic quarterly figure and work backwards from that. It is the right way round.