I figured it out:
("h" "Habits" tags-todo "STYLE=\"habit\"+SCHEDULED<=\"<today>\"" ((org-agenda-overriding-header "Habits") (org-agenda-sorting-strategy '(priority-down time-down todo-state-down effort-up category-keep))))
This will probably help someone later. This page helped: http://orgmode.org/manual/Matching-tags-and-properties.html
Update: The above works, but since is hourless, it is better to use less than, <, <tomorrow>
if you wish to include habits which may have an hour and minute component for today.