Typically they would receive financing for an all-in price. Yes, they could finance the tax, but of course today's interest rates—and the interest rates continue to go up—are just going to increase the cost for families.
Many families are going to feel that this is pricing them out of range. When you add a 10% luxury tax on top of existing taxes—GST, PST or HST—and then you put financing charges on top of that, it simply is putting it out of range for many folks.