That's an interesting development, 11% was what I was seeing at the time from some of the more popular brands. Nissan are still at 11%, Toyota are 8.9%, but most of the others seem to be lower alright. When I get some time I'll update the table, or perhaps it might be better add a new one to reflect the higher deposit levels required for these HP deals, Peugeot for example require a 30% deposit. Do you have a link to Hyundai's HP terms? I can only see the PCP rates on the site.