DHA Lahore Phase 10: Ultimate Guide to Plots, Installment Plans, and 2026 Investment ROI

by Azan
January 18, 2026
News
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DHA Lahore Phase 10: Ultimate Guide to Plots, Installment Plans, and 2026 Investment ROI

DHA Lahore Phase 10 (formerly Phase 9 Extension, now Phase X) marks a game-changing expansion in Pakistan’s premier housing authority. Spanning over 100,000 Kanals, this massive project creates a self-sustaining subcity in Lahore’s southern corridor. As urban sprawl intensifies, DHA Phase 10 delivers smart city features, stable pricing, and huge capital growth potential—perfect for professionals, overseas Pakistanis, and investors eyeing Lahore real estate trends in 2026.

Historical Evolution and New Business Model

DHA Lahore started as elite housing for military officers but grew into Pakistan’s luxury benchmark. Phase 10 builds on successes like Phase 9 Prism, shifting from small-scale phases (1-5) to integrated mega-developments.

The big change? Ditching cash-only “file trading” for a 2026 installment plan. This curbs speculation, opens doors for middle-class buyers, and boosts market liquidity—calling it the “Future of Lahore 2026.”

Prime Location and Connectivity Boost

DHA Phase 10 sits strategically between Bedian Road and Ferozepur Road, from Rohi Nala to Sue-e-Asal Link Road, right next to Phase 9 Prism. This setup enables smooth infrastructure rollout like fiber optics and sewerage.

Key connectivity perks drive its value:

Connectivity Landmark	Relevance to Phase 10	Strategic Utility
Lahore Ring Road	Direct Access via Interchanges	High-speed city-wide transit
Ferozepur Road	Primary Western Boundary	Connection to Kasur and South Punjab
Bedian Road	Primary Eastern Boundary	Link to Phase 6 and Eastern Lahore
Allama Iqbal Airport	15-Minute Drive	Critical for Overseas Pakistani investors
M2 Motorway	Seamless via Ring Road	Inter-city connectivity to Islamabad

Wide 300-500ft boulevards prevent traffic jams, ensuring smooth mobility for decades.

Smart Subcity Vision: Infrastructure Highlights

Phase 10 isn’t just housing—it’s a smart subcity with green spaces, uniform architecture, and tech integration.

Smart Features: Underground power, flood-proof drainage, high-speed internet, and automated security.
Sustainability: Ties into “Lungs of Lahore” tree planting, green buffers, and groundwater recharge wells.
Lifestyle Perks: “Lake Living” with water parks, lakefront homes, and recreational squares.

Infrastructure Component	Planning Status	Anticipated Impact
Underground Electricity	Phase-wise implementation	Enhanced safety and aesthetics
300-500ft Boulevards	Construction prioritized	Long-term traffic fluidity
Smart Drainage System	Integrated with Master Plan	Flood prevention and water recycling
Gated Access Points	Full-proof Security Model	Secure environment like Askari 11
Prismo District	Adjacent Commercial Hub	High-yield business opportunities

2026 Installment Plan: Affordable Entry to DHA Phase 10 Plots

Launched in January 2026, the plan spreads costs over 48 months with 10% down—ideal for salaried folks and NRPs. Buy via official banks only (MCB, Bank Alfalah, Askari, HBL, Meezan) to avoid scams.

Plot Size	Plot Type	Total Price (PKR)	Non-Refundable Fee (PKR)	Down Payment (10%)
5 Marla	Residential	4,500,000	5,000	450,000
8 Marla	Residential	6,500,000	8,000	650,000
10 Marla	Residential	7,500,000	10,000	750,000
1 Kanal	Residential	15,000,000	15,000	1,500,000
4 Marla	Commercial	21,000,000	20,000	2,100,000
8 Marla	Commercial	43,000,000	30,000	4,300,000

Cheaper than Phase 6/7, with commercial plots fueling early business growth.

File Types: Affidavits, Allocations, and Installments Explained

Navigate DHA Phase 10 files smartly:

File Type	Primary Buyer Profile	Transfer Cost	Market Liquidity
Affidavit	Speculative Investors	Low (dealer based)	Very High
Allocation	Long-term Investors	High (official fees)	Moderate
Installment	Professionals/Overseas	Variable (based on paid amount)	Growing

January 2026 Market Rates and ROI Projections

Mid-January shows bullish recovery post-2025 dips, thanks to installments and balloting buzz.

Size/Category	Affidavit Rate (PKR)	Allocation Rate (PKR)	Price Trend (Jan 2026)
5 Marla Residential	28.75 – 31.00 Lac	27.25 – 28.50 Lac	Stable to Upward
8 Marla Residential	33.25 – 48.00 Lac	31.00 – 32.50 Lac	Emerging Demand
10 Marla Residential	48.75 – 57.50 Lac	46.50 – 52.00 Lac	Steady
1 Kanal Residential	91.00 – 92.00 Lac	84.00 – 84.50 Lac	High Volume Trading
2 Kanal Residential	238.00 – 245.00 Lac	235.00 Lac	Niche/Premium
4 Marla Commercial	139.00 – 152.00 Lac	134.00 – 145.00 Lac	High Speculative Interest

ROI outlook:

Investment Profile	Expected ROI (2026-2030)	Risk Profile	Recommended Strategy
Speculative (File Trading)	15% – 20% (Short-term)	High	Exit during “ballot hype”
Balanced (Medium-term)	30% – 40% (Post-ballot)	Moderate	Hold until early development
Long-horizon (End-user)	100%+ (Post-possession)	Low	Pay installments, wait for possession

Phase 10 vs. Phase 9 Prism: Which to Buy in 2026?

Feature	DHA Phase 9 Prism	DHA Phase 10
Current Market Phase	Infrastructure/Possession	File Trading/Early Earthwork
Construction Readiness	Immediate in select blocks	Estimated 5-7 years away
1 Kanal Price (Approx)	150 – 250 Lac (developed)	84 – 92 Lac (file-based)
Risk Profile	Low; established infrastructure	Moderate; speculative and long-term
Investor Type	End-users and Builders	Long-term Capital Growth Seekers

Phase 10 wins for growth; Prism for quick builds.

Balloting, Transfers, and Tax Tips

Balloting delayed slightly in Jan 2026 for system upgrades—good for fairness. Quotas favor realtors first, then public/NRPs.

Transfer steps: Token agreement → NDC → DHA office (with biometrics). Filers save big:

Fee/Tax Component	Calculation Basis	Typical Amount (1 Kanal)
Transfer Fee	Fixed by DHA per size	145,000 – 157,000
Membership Fee	One-time per owner	150,000 – 200,000
Stamp Duty	2% – 3% of DC Value	386,400
Advance Tax (Filer)	1.5% – 3% of FBR Value	145,000 – 280,000
Advance Tax (Non-Filer)	10.5% – 15% of FBR Value	1,018,000 – 1,964,000

Future Vision: Prismo, Mixed-Use, and Risks

Expect uniform modern designs, walkable mixed-use zones, and Prismo as South Lahore’s retail hub. Risks include long waits and plot specs—mitigate with diversification.

Investor Tips for DHA Phase 10 Success:

Buy affidavits in dips.
Stick to filers and authorized sellers.
Mix 5 Marla (liquid) with 1 Kanal (high gains).
Track DHA announcements.

DHA Lahore Phase 10 fuses smart tech, connectivity, and affordability into Lahore’s next boom corridor. With 2026’s installment push, it’s prime time for savvy investments.

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