[Huakai]

When we bought in 1993, we arranged our own financing because the Disney rate was pretty high. When we added on a few years later, we just put it on a credit card that had a really good rate, so I really can't answer as to the exact amount of monthly payment you would make.
As far as spending thousands for one trip a year....often we go more than once a year. With the points we have now, we could stay up to 6 weeks a year in a studio if we go in value season. Since we bought into Old Key West (originally known as the Vacation Club) our lease on the property will expire in 2040 (I think). We have already been using our vacation home for 11 years and have many more years to come. This lease can be passed on to our children, should anything happen to us.
Of course, there is the maintenance fee that we have automatically drafted from our bank account. It is less than $100/mo for the points we have...so for less than $1200/yr, this year, we will have a 2 bedroom home and a studio for 8 days in December and will have my sister and her family and my daughter and some of her friends enjoying the magic with us. We still have points left over.
The newest resort has a lease that goes into 2054, I think. This just means that with the number of points you buy, you have that many points to use each year for the entire length of your lease. You can bank any points you don't use into the next year or if you need more, you can borrow from next year.
There is some really good information posted under the DVC forum here on DC, so you might want to read over some of the threads there if you haven't already.