If you are a good planner, you could simply buy somewhere cheaper (ie Las Vegas), and book at 9 months out at the Hawaii resorts. You are not guaranteed space, but the chances are good. This is what we have done over the last 5 years or so that we've owned Hilton. Bay Club, in particular always has availability at the 9 month mark. HHV, not as much, but if you are flexible, can work most of the time.
pacman