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Habaneros are a little more difficult to start and generally require at least 7 - 14 days to germinate. Some will take upwards of 21 - 30+ days. Soil temperature is the key, to hot or too cold little to no germination. Your soil should remain moist, not too wet, but shouldn't dry out. The temperature of the soil should be between 75 - 85 degrees, with 85 / 86 ideal. Don't take it above 90 at 95+ germination drops off. Planting depth shouldn't be more then 1/4.
Most peppers, such as the cherry (Capsicum chinense), cayenne long slim (Capsicum annuum) and banana sweet pepper (Capsicum annuum), begin germinating in a week to 10 days. However, habanero seeds may begin sprouting in 11 days and can take up to five weeks to germinate.