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Margalla Orchard Payment Plan & Plot Prices 2026 — Cash-Only Decoded

Residential is quoted cash-only while the commercial zone runs a 3-year plan, and two dealer sites disagree by a factor of ten on the same plot. Every number here carries its source and its date.

By Muhammad Hasnain10 min readVerified 25 August 2026

Two websites selling the same Margalla Orchard commercial plot quote it as “PKR 9 Crore 10 Lac” and “PKR 91 Lac”. That is not a negotiating range; it is a factor-of-ten error sitting live on the open internet, and a buyer who reads the wrong one builds an entire budget around a number that is off by 900%. Start there, because it tells you exactly how much care this scheme’s published pricing deserves.

The honest summary. Residential (10 Marla / 14 Marla / 1 Kanal) is a resale market quoted on cash terms — there is no official residential instalment plan for an outside buyer, because allotment balloting closed in September 2022. The commercial zone, Margalla Orchards Walk, did run a real DHA instalment ladder of up to three years. Every number below carries its source and its date, and where sources disagree we show both.

Asking prices — every size, counted

These are live listings read on 25 August 2026 across Zameen, Lamudi and Graana, with the listing count next to each band so you can see how much evidence sits behind it. One caution up front: Zameen and Lamudi carry the same syndicated pool — their counts match almost exactly (14 Marla 34 and 34, 1 Kanal 233 and 232) — so this is one market being counted once, not two markets agreeing.

SizeDimensionsAsking bandLive listingsNote
10 Marla32×70 ft · 250 sq yd2.00 – 2.52 Cr 110Graana's single listing sits at 1.95 Cr — just below the floor.
14 Marla40×80 ft · ~356 sq yd1.85 – 2.52 Cr 34Tightest cluster in the scheme: most sit 2.10–2.25 Cr.
1 Kanal50×90 ft · 500 sq yd3.00 – 3.80 Cr 233Long tail: individual asks run down to 2.15 Cr and up to 4.50 Cr.
5 Marla commercial133.33 sq yd · Orchards Walk9.00 – 11.00 Cr 24A few corner/park-facing asks reach 16.04 Cr.
8 Marla commercial200 sq yd · Orchards Walk15.54 – 16.00 Cr 9Very tight cluster at ~16 Cr.

Asking prices only, read from live listings on 25 August 2026. No transacted (registry-verified) sale price exists in any public source we could find for this scheme. Zameen and Lamudi carry the same syndicated pool — their counts match almost exactly — so the listing numbers are one pool, not two.

Read those as asking prices, and nothing more. Across four portals we found no transacted, registry-verified sale price for this scheme — not one. Anyone quoting you “the market rate” is quoting an ask with the caveats stripped off. Graana’s single 1 Kanal listing at 1.95–3.05 Cr sits below the Zameen/Lamudi cluster, but it is three months stale and n=1, so we flag it rather than average it in.

The stat that actually tells you something: who is selling

Asking prices are noisy. Supply is not. Put the approved layout plan’s own plot counts next to today’s listings and a much sharper picture appears — and because the two smaller sizes are quota-exclusive, it tells you which group of allottees is heading for the exit:

SizePlots in the approved LOPLive listingsShare of stock on the marketWhose quota
1 Kanal (50×90)3,104233 7.5%FGEHA 1,188 + SCBA 1,916
14 Marla (40×80)90034 3.8%FGEHA quota only
10 Marla (32×70)777110 14.2%SCBA quota only

14 Marla is FGEHA-quota-only and 3.8% of it is listed. 10 Marla is SCBA-quota-only and 14.2% of it is listed. The lawyers’ allocation is being offered at roughly 3.7 times the rate of the federal employees’. Dawn reported over Rs 6 billion deposited by SCBA members into a scheme that had not been delivered before DHA joined in September 2025 — a six-year wait, and an exit that opened the moment DHA arrived. Caveats stated plainly: these are listings not sales, 1 Kanal spans both quotas so it cannot be attributed, and the counts come from one syndicated pool. Full working on the map and blocks page.

Read that table as three different kinds of number, not one. The marketing-site ranges are a seller’s published position from March 2026. The Zameen figures are asking prices from live listings in August 2026 — what people want, not what anyone paid. We found no transacted, registry-verified sale price for this scheme from any source. Anyone quoting you “the market rate” as a single confident number is quoting an asking price with the caveats removed.

Note also the 10 Marla spread: a marketing range starting at 2.00 Cr against live listings starting at 1.24 Cr. A gap that wide usually means block differences, development-charge status, or distressed sellers — and it means the sector-level average is close to useless for pricing your specific plot.

Is there a payment plan? Split the question in two.

Residential: no instalment plan for outside buyers

Both major marketing sites state residential plots are full cash payment only, with one explaining that “active development has driven down the availability of installments.” The structural reason is simpler than the marketing reason: you are buying from an original allottee, not from the authority. The instalment history belongs to FGEHA and SCBAP members who paid in from 2019 onward — Dawn reported over Rs 6 billion deposited by lawyers before DHA even joined. That instalment ladder is not transferable to you.

Treat cash-only as a liquidity caveat, not a prestige feature, whatever the brochure says. It shrinks your buyer pool when you come to sell, and it is the single biggest practical difference from Margalla Enclave, where a published instalment schedule is part of the official product.

Commercial: a real, structured DHA plan

Margalla Orchards Walk ran a proper ladder — and this is the part of the scheme with the clearest published terms:

  • Processing fee (non-refundable): PKR 40,000 for 5 Marla, PKR 50,000 for 8 Marla
  • Down payment: 5% of sale price, within 45 days of successful ballot allotment
  • Confirmation payment: 15%, within 60 days of allotment
  • Balance: lump sum, or 1-year (4 quarterly), 2-year (8 quarterly), or 3-year (12 quarterly)
  • Application deadline 13 Feb 2026; ballot held 18 Feb 2026 at DHA Phase II Imperial Hall

Full detail, including the 10x price conflict and the later DHA window, is on our Margalla Orchards Walk guide.

The 10x conflict — now settled by the live market. Two dealer sites publish the same commercial plots ten times apart: one says 5 Marla from PKR 9.10 Crore, 8 Marla from PKR 14 Crore; the other says 91 Lac and 1.40 Crore. On 25 August 2026 we counted 35 live commercial listings across Zameen and Lamudi, and they run PKR 9.0 to 16.04 Crore, clustering hard at ~10.5 Crore for 5 Marla and ~16 Crore for 8 Marla. That settles it: the Crore figures are right and the “91 Lac” figure is a Crore-for-Lac error — off by a factor of ten on a purchase this size. A separate social-media post quoting “ballotted” prices of 35–45 Lac reconciles with neither; ignore it. We still could not read DHA’s own portal (it returned HTTP 400 behind a Cloudflare challenge every way we tried on 25 Aug), so confirm the official figure there before you transfer anything.

Transfer fees and what completion actually costs

Marketing sources publish the following transfer charges, processed at the FGEHA office in G-10, Islamabad:

SizeTransfer fee
10 MarlaPKR 150,000
14 MarlaPKR 225,000
1 KanalPKR 280,000

These are not itemised, and that is a problem you should solve before you commit. It is not stated whether federal tax and any authority charges are bundled inside those figures or sit on top of them — and the difference on a 1 Kanal plot runs well into seven figures. Get the breakdown in writing from the FGEHA transfer counter, not from a dealer.

Federal taxes on top — and one rate we are openly unsure about

§236C: we checked our own number, and we are flagging it. Across this site we have described §236C as a flat 2.75% for filers and ~11% for non-filers under the Finance Act 2026, with the slabs and the late-filer category abolished. That is what most Pakistani property sites say. On 25 August 2026 we went to check it against a primary source and could not confirm it.

FBR’s own advance-tax FAQ, fetched that day, still publishes the tiered Finance Act 2025 table — and still lists a late-filer category:

§236C — seller, on gross considerationFilerLate filerNon-filer
Up to PKR 50 million4.5%7.5%11.5%
PKR 50–100 million5%8.5%11.5%
Above PKR 100 million5.5%9.5%11.5%
§236K — buyer, on fair market valueFilerLate filerNon-filer
Up to PKR 50 million1.5%4.5%10.5%
PKR 50–100 million2%5.5%14.5%
Above PKR 100 million2.5%6.5%18.5%

So which is right? Honestly: we do not yet know, and neither does anyone else who is publishing a confident number. The FBR page is labelled “Finance Act, 2025” and carries no date of its own, so it may simply be stale. But the flat 2.75% figure traces back through a chain of undated dealer blogs to what appears to be a pre-budget proposal article — whose own proposed numbers were different again. Nobody we can find cites an SRO or gazette number for it. The documents that would settle it are FBR SRO 644(I)/2026 (16 Apr 2026) and its amendment SRO 1335(I)/2026 (7 Aug 2026); we are going after them and will update this block, dated, the day we have read them.

What to do in the meantime. If you are transacting now, get the rate in writing from the transfer counter or your tax adviser on the day — not from any website, ours included. The gap between 2.75% and 5.5% on a 10-Crore sale is roughly PKR 27.5 lakh, which is far too much to take on trust.

What we are confident about, and why: CGT is a flat 15% on property acquired on or after 1 July 2024, with no holding-period relief; property acquired before that date keeps the old taper (0% after 2 years for flats, 4 for constructed property, 6 for open plots), and the regime is fixed by acquisition date, not sale date. §7E is dead — struck down as unconstitutional (ruling 7 May 2026, void ab initio) and omitted by the Finance Act 2026 from 1 July 2026; if anyone asks you for a 7E certificate, that request is out of date. And per FBR’s own FAQ, a non-resident NICOP/POC holder gets the filer rate even if they are a non-filer, provided they stayed under 183 days in Pakistan — a genuinely valuable relief that is widely missed.

Nothing about this scheme exempts it from the federal regime, which changed materially this year. The essentials, as they apply to a Margalla Orchard resale:

  • Section 236C (seller side) is now a flat 2.75% for filers and roughly 11% for non-filers. The old slab structure and the late-filer category are gone. Most content still online describes the old slabs.
  • Capital Gains Tax is a flat 15% only on plots acquired on or after 1 July 2024. Plots acquired before that date remain on the older six-year taper that runs to 0%. This matters unusually much here: original allotments trace to 2019–2022, so an original FGEHA or SCBAP member selling to you is very likely on the old regime, while you, buying in 2026, will be on the flat 15% when you eventually sell. That is our reading of the rule applied to this scheme's timeline — confirm your own position with your tax adviser.
  • Section 7E is repealed. If anyone asks you for a 7E certificate, that request is out of date.

Our seller-side tax guide and buyer-side cost guide work through the numbers, and the cost calculator will total them for a given price.

One genuinely unresolved item: the correct ICT stamp duty rate. One source states it was cut to 1% for filers; another applies roughly 3% of FBR value. We could not find a primary notification to settle it, so we are not publishing a rate. Ask the transfer counter on the day — and if a dealer states a rate confidently, ask which notification they are reading.

What the price tells you about the market

414 live listings on Zameen and 360 on Lamudi (both checked 25 Aug 2026) is a surprisingly deep resale market for a scheme whose DHA-branded phase is under a year old. The most likely explanation is straightforward: original 2019-era allottees are taking profit now that DHA’s involvement has de-risked the project in buyers’ eyes. Presence on Graana, Ilaan and Aarz is thin to absent — so a single portal is doing most of the price discovery here, which is itself a reason to treat any headline “market rate” with suspicion.

On relative value against schemes we cover: Margalla Orchard’s quoted ranges sit above Park View City and below DHA Margalla Enclave and Park Enclave for comparable sizes. It is not the cheapest entry to this corridor and it is not the premium one — it is a middle position whose main distinguishing product is the 14 Marla size that neither Margalla Enclave nor Bahria Enclave offers.

Sources for this section

  • Residential ranges and transfer fees: marketing site (Souq al’Ard Pvt Ltd, self-declared authorised dealer, not DHA's official site) — page modified 9 Mar 2026, read 25 Aug 2026.
  • Live asking prices and 414 listing count: Zameen.com Margalla Orchard society page — scraped 25 Aug 2026.
  • Commercial payment ladder, processing fees, ballot dates: DHA-focused marketing site — read 25 Aug 2026; conflicting figures published by a second marketing site the same day.
  • Rs 6bn deposited by lawyers before DHA joined: Dawn — 27 Sep 2025.
  • Tax positions: Finance Act 2026 — §236C flat 2.75% filer / ~11% non-filer, CGT 15% flat on post-1-Jul-2024 acquisitions, §7E repealed.
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FAQs

Quick answers

For <b>residential</b> plots there is no instalment plan available to an outside buyer &mdash; sellers quote full cash. That is structural, not a policy: allotment balloting closed on 14 September 2022, so you are buying a resale from an original FGEHA or SCBAP allottee, and their instalment arrangement with the authority does not transfer to you. For <b>commercial</b> plots at Margalla Orchards Walk, DHA ran a real ladder: 5% down within 45 days of ballot allotment, 15% confirmation within 60 days, then lump sum or 1, 2, or 3-year quarterly instalments, with a non-refundable processing fee of PKR 40,000 (5 Marla) or PKR 50,000 (8 Marla).

Quoted at <b>PKR 3.25 to 3.75 Crore</b> by the main marketing site (page last modified 9 March 2026), with live Zameen listings running up to about <b>PKR 3.80 Crore</b> as of 25 August 2026. Both are <b>asking</b> prices &mdash; we could not find a single transacted, registry-verified sale price for this scheme from any source, so treat every figure as an opening position rather than a market rate.

Because one of them has a Crore/Lac error. For the same plots, one site publishes 5 Marla from PKR 9.10 Crore and 8 Marla from PKR 14 Crore; another publishes PKR 91 Lac and PKR 1.40 Crore &mdash; exactly ten times apart on both sizes. The higher set is corroborated by a third publication and sits inside a detailed, internally consistent instalment table, so it is more likely the correct one. We are flagging rather than resolving it: verify commercial pricing against DHA's own portal before any money moves.

Marketing sources publish PKR 150,000 for 10 Marla, PKR 225,000 for 14 Marla and PKR 280,000 for 1 Kanal, processed at the FGEHA office in G-10, Islamabad. Critically, these figures are <b>not itemised</b> &mdash; it is not stated whether federal tax and authority charges are inside them or on top. On a 1 Kanal plot that ambiguity is worth well over a million rupees, so get the breakdown in writing from the transfer counter before you commit.

The standard federal regime applies with no scheme-specific exemption. Under the Finance Act 2026 the seller pays &sect;236C at a flat <b>2.75% as a filer</b> or roughly <b>11% as a non-filer</b> &mdash; the old slabs and the late-filer category are abolished. Capital Gains Tax is a flat 15% only for plots acquired on or after 1 July 2024, so an original allottee from 2019&ndash;2022 is likely still on the older taper. &sect;7E is repealed. The correct ICT stamp duty rate we could not verify against a primary notification &mdash; sources say 1% and roughly 3% &mdash; so ask at the counter.

For comparable sizes its quoted ranges sit below DHA Margalla Enclave and Park Enclave, and above Park View City &mdash; a middle position rather than a bargain or a premium. But the comparison is not like-for-like: Margalla Enclave prices come from a published ballot schedule with instalments, while Margalla Orchard prices are cash-only asking prices in a resale market. A lower sticker that requires the full amount up front is not automatically cheaper for you.

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