It looks like you have a good basic understanding of HGVC MFs. I would only change one word and that is room type to room size. For example, all of the 2-bd (normal, plus and premier in the same size) will have the same MFs. The MF will also be the same for all of the season (platinum, gold, silver, etc) for that room. Now, KL is a little different in that it has 3 phases. Phase I has the larger rooms and Phase II the smaller and Phase III, a mixture. Thus, you will have slightly different MF between the 2-Bds for example. There is also more points for the larger rooms. Now, it looks like the 10,500 point listing which you are looking at is a regular larger 2-bd, platinum season. I also think that the MFs should be $1694.74 for 2018. That would put it around 0.16140 $/point. If you could get the 2-bd premier (14,400 pts) for that price, now that would be a great deal (IMO) {but HGVC would also probably exercise ROFR too}.
We have a Sticky with the best MF/point ratio (
https://tugbbs.com/forums/index.php...018-maintenance-fee-list.263776/#post-2062750). That would be a good reference.
I agree with
@ljmiii, if you really want Oahu, then I would buy there. The BI is really much easier to find availability when club window opens. Oahu is a little more difficult.
Do you understand the difference between "Home Week" and "Club" booking? Home week, you can book at 12-9 months before check-in for the exact same room type, season on your deed for 1-week whatever the check-in date is for that resort. {You need to have the full number of points in your account for that year} So, if you purchased KL, 2-bd in platinum season, it would be that. You could not for example book the 3-bd just because you wanted more space nor the 2-bd premier because you wanted a higher floor. You would also need to book for the full week starting on a Saturday thru Saturday at KL. This will also use all of your points on the deed.
Club booking starts 9-months (276 days actually) You can book a minimum of 3-days (maximum of 30, I think) to whatever is available anywhere in the system. There will be a fee for this booking of $80 (phone)/$65 (on-line). You can use saved, borrow or current year points for this booking. Once you use any of current year points for a reservation, then Home Week booking is unavailable.
Btw, of course there are exceptions to the rules. A couple of the resorts have different "Home Week" booking windows such as Hokulani Waikiki has a 12-6 month home week advantage. The Hilton Club (urban destinations such as NYC, Washington, DC) is completely different from above and has its own set of rules.
So, the point is, if you don't plan to use Home Week booking, it doesn't matter where you buy.