Your Trusted Financial Partner

About Us

Independent investment advisory firm supporting complex capital decisions with structure, judgement, and continuity across changing market and governance conditions.

Engraving of a modern glass office tower and its entrance plaza

Who We Are

H Capital Limited is an independent investment advisory firm registered in the Dubai International Financial Centre (DIFC) and regulated by the Dubai Financial Services Authority (DFSA). We operate within a regulated environment designed to support disciplined oversight, accountability, and clear separation between advice and execution.

We advise on investment and capital structuring decisions where governance, timing, and risk interaction matter. Our financial advisory services focus on defining scope, framing decisions, and maintaining review discipline. Clients work with us when they require clarity, consistency, and continuity across complex situations rather than product-led recommendations.

Why Choose Us

Clients work with H Capital Limited to support important capital decisions through advice that is clearly separated from product distribution and execution. As an investment advisory firm, we work across situations involving concentrated exposure, liquidity change, and multi-stakeholder oversight, where clarity of role and disciplined review are essential.

Our trusted financial advisors support decision-making through careful analysis and ongoing review, helping clients respond thoughtfully as complexity increases and assumptions require challenge.

Features

What Guides Our Work

Engraving of three classical stone columns
  1. i.

    Innovation

    We use modern platforms and data tools to support clarity, accessibility, and consistency across advisory engagement and reporting needs.

  2. ii.

    Transparency

    Clear mandates, documented assumptions, and open communication define how advice is framed, reviewed, and governed across all engagements.

  3. iii.

    Collaboration

    We work closely with clients, counterparties, and advisers to maintain alignment while respecting defined roles and decision authority.

  4. iv.

    Integrity and Ethics

    Advice is provided independently, with conflicts identified and managed, supporting trust built on conduct rather than claims.

  5. v.

    Disciplined Risk Growth

    Capital decisions are tested against downside exposure, liquidity constraints, and long-term implications before change is recommended.

  6. vi.

    Ownership and Accountability

    Each engagement assigns responsibility, review cadence, and decision ownership so advice remains traceable and defensible over time.

Why H Capital Limited is Your Trusted Partner

Our financial advisory services are designed to grow, protect, and pass on your wealth.

  • Wealth Planning: Creating a legacy that benefits future generations.
  • Retirement & Income Planning: Ensuring you have a sustainable withdrawal strategy to enjoy your desired lifestyle.
  • Risk Management: Identifying threats to your wealth and using insurance or diversification to mitigate them.

Our goal is to help you “simplify the complex”. Whether you are managing an inheritance, preparing for retirement, or seeking the next major real estate opportunity, our team is dedicated to your peace of mind and a worry-free future.

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Our roots

Built on a tradition in finance

H Capital Limited draws on the Habib family’s long history in banking, insurance and asset management. That heritage shapes how we work today: with a long-term view, discretion and relationships built to last across generations.

A long-term view

We think in decades, not quarters, and plan with the next generation in mind.

Discretion

Family and business affairs are handled privately and with care.

Continuity

Relationships that carry on as circumstances, markets and generations change.

Our team

H Capital Limited Board of Directors

Aqil Jaffer Ali

Aqil Jaffer Ali

Chairman of the Board

Mr. Aqil Jaffer Ali is Chairman of the Board of H Capital Limited, bringing more than three decades of leadership experience across international banking, wealth management company structures, and investment advisory. He spent over twenty-five years at Citibank, holding senior roles including Vice Chairman for the UAE, Managing Director of Consumer and Commercial Banking, and Director of Retail Banking and Wealth Management.

Following Citibank, he served as Head of Branch Network and Wealth Management at the National Bank of Abu Dhabi and later held senior leadership and advisory roles at Investcorp and Credit Suisse, with focus across private equity, real estate, and private banking. His experience strengthens governance, oversight, and long-term direction at H Capital Limited.

30+Years of leadership experience
25+Years in senior banking roles, including Vice Chairman for the UAE
4Global financial institutions
Sajjad Habib

Sajjad Habib

Executive Vice Chairman

Mr. Sajjad Habib serves as Executive Vice Chairman of H Capital Limited, with more than three decades of experience across banking, insurance, and asset management in the United Kingdom and the Middle East. He has worked with global institutions including Man Investments, Société Générale, Coutts Bank, and Franklin Templeton.

Previously, he was Executive Director of Habibsons Bank Limited in the United Kingdom and held senior leadership roles over an eleven-year tenure. He has served on boards including Habib Insurance Company Limited and Habib Asset Management Limited. His background supports H Capital Limited’s corporate finance advisory and governed decision-making work.

30+Years across banking, insurance and asset management
11Years of senior banking leadership in the UK
UK& Middle East experience
Nasir Jamal

Nasir Jamal

Chief Executive Officer

Mr. Nasir Jamal is Chief Executive Officer of H Capital Limited, with more than twenty years of leadership experience in private banking, wealth management, and investment advisory across global markets. Prior to H Capital Limited, he held senior roles at Citibank, UBS, Edmond de Rothschild, and Julius Baer, advising families and entrepreneurs across Europe, the Middle East, and North America.

He is known for building disciplined advisory teams and guiding complex portfolio and balance-sheet decisions across jurisdictions. As CEO, he leads the firm’s strategy, governance standards, and advisory positioning, ensuring H Capital Limited operates as a trusted investment advisory firm with independence, continuity, and accountability at its core.

20+Years of leadership experience
4Global private banks
3Regions advised: Europe, the Middle East and North America