When buying property in Islamabad, one of the most trusted names is Capital Smart City (CSC). Developed by Habib Rafiq Pvt. Ltd. in partnership with FDHL, this project has set new standards for real estate in Pakistan. Over the years, CSC has launched multiple phases, each designed to cater to different buyer needs.

Two of the most talked-about phases are Phase 1 and Phase 3. While both are part of the same grand smart city vision, their payment plans, prices, and investment options are very different. If you are confused between the two, this detailed comparison of Capital Smart City Phase 1 vs Capital Smart City Phase 3 payment plans will make your decision easier.

Capital Smart City Phase 1 Payment Plan

Phase 1 was the first launch of CSC and gained immense popularity right from the start. Due to its prime location and rapid development, most of the plots in Phase 1 are now sold out directly by the society. This means that new buyers can only purchase plots through resale in the open market.

Over time, the prices in Phase 1 have appreciated significantly. Investors who booked earlier on installments have already enjoyed excellent returns, and now Phase 1 is considered a premium sector of society.

Approximate Current Market Prices (Resale in 2025):

1. 5 Marla: PKR 4,000,000 – 4,500,000

2. 10 Marla: PKR 6,500,000 – 7,000,000

3. 1 Kanal: PKR 11,000,000 – 12,000,000

Note: Since these plots are available for resale, there are no official installment options anymore. Buyers usually pay lump sum amounts or negotiate payment terms directly with sellers.

Why Choose Capital Smart City Phase 1?

1. Developed and ready-to-live area.

2. Higher market demand and resale value.

3. Immediate possession for construction.

4. Premium location within the smart city.

Capital Smart City Phase 3 Payment Plan

In contrast, Phase 3 is the latest launch of CSC, making it highly attractive for investors and first-time buyers. Unlike Phase 1, Capital Smart City Phase 3 plots are being offered directly by the developer with a flexible 3.5-year installment plan.

This presents a perfect opportunity for those looking to enter the smart city at a lower cost, without having to pay the full amount upfront.

Capital Smart City Phase 3 Official Payment Plan

Why Choose Capital Smart City Phase 3?

1. Affordable prices compared to Phase 1.

2. Easy 3.5-year installment plan.

3. Direct booking from the society (no resale middleman).

4. High potential for price appreciation as development starts.

5. Ideal for both small investors and long-term buyers.

6. Prime location near the Islamabad International Airport and Ring Road Rawalpindi (RRR).

Capital Smart City Phase 1 vs Capital Smart City Phase 3 Payment Plan Comparison

Which One Should You Choose?

1. If you are a family looking to move in quickly, then Phase 1 is the better option since it is already developed and offers immediate possession. You can build your house without waiting for development work.

2. If you are an investor or first-time buyer, then Phase 3 is the smarter choice. The lower prices, flexible installments, and future growth potential make it a great investment for the next 3–5 years.

Final Verdict

Both phases of Capital Smart City have their own strengths.

Phase 1 offers security, development, and higher resale value, but comes with higher upfront costs. Phase 3 offers affordability, easy installments, and future growth, making it a golden opportunity for investors and younger buyers. 

In simple words, Phase 1 is for those who want luxury and readiness, while Phase 3 is for those who want affordability and growth potential.