Doug Ford's flashy HST rebate—up to $130,000 off new condos and townhomes under $1M—kicks in today, April 1, 2026, but slams shut March 31, 2027. First-time GTA buyers: this layers onto your FHSA, RRSP Home Buyers' Plan, and stress-test survival kit, rewriting the math on that $626K condo average. Deadlines don't wait! Here's who qualifies, the caveats, and why "not ready yet" means start a spreadsheet NOW! Toronto housing policy decoded for 2026 first-timers racing the tax-break cliff.