Try Timeshare User Group for info on HGVC. It's only $15 to join TUG to find about the other timeshares. However I would look here for your answers regarding DVC.
Here's a summary from the advice page. The fees for Club Season and Open Season reservations have gone up but the basic concept is covered here.
http://www.tug2.net/advice/hgvc.htm
Disney is associated with II (better timeshares) and HGVC is associated with RCI
Similar to DVC, HGVC is a point based system. You can stay any number of nights (2 night minimum). You have the same types of reservation rules - home resort can be booked earlier than non-home resort. But the point system is not as flexible as Disney.
There are four types of HGVC weeks (similar to DVC Dream Seasons, Magic, Choice, etc)
- Platinum
- Gold
- Silver (not available in all locations)
- Bronze (not available in all locations)
For HGVC, all points are the same value - a 2 bedroom standard view Gold week in Orlando is the same number of points as a 2 bedroom standard view Gold week in Hawaii. Not all HGVC locations have different views. Maintenance fees and the dates asociated with the types of week (ie. Platinum week) vary depending on location.
For example January is considered low season in Las Vegas therefore the first four weeks in Las Vegas is considered Silver Week however in other locations such as Hawaii January is considered high season (Platinum Week)
There are basically three Reservation Seasons (somewhat similar to DVC 11 month and 7 month window) :
-Home Resort Season (15 months to 9 months)
-Club Season (9 months to 31 days)
-Open Season (30 days to 1 day prior to check-in)
Here are some of the main differences that come to mind:
(1) Your initial points are based on a unit size and type of week. Your home resort resevation window is based on this unit size and season.
For example if you own one week in a two bedroom during gold season this is the only type of unit and season you can reserve during the home resort window and it must be reserved for the full week (no reservation fee incurred - HGVC's incentive for members to book early)
(2) During Club Season you can reserve any size unit for 3+ nights. HGVC has a $49 non-refundable fee for reservations made during Club Season window.
For example if you own a two bedroom during gold season but you waited to reserve 3 months before check-in (beyond the home resort window) you will be subjected to the $49 fee.
(3) During Open Season you have a two night minimum. You can use points or open season member only rental rates which are great if you can find availability. If you use points, you are subjected to the $49 non-refundable reservation fee.
For example: Open Season Rental Rate for a two bedroom standard view is $100/night Sun-Thurs and $120/night Sat & Sun
Additional Fees:
$85 Annual Club Dues
$69 Banking fee
No fee for Borrowing
$69 Club Partner Perks (for example Hilton Hotel, Cruise, etc)
$49 Guest Confirmation Fee
$139/ $179 RCI Domestic/International Fee
**DVC has no fees for disney resort reservations (fees are built into the DVC maintenance fee).
Similiar to DVC, the HGVC Club Partner Perks is not the best usage of points
I'm currently a HGVC owner and a soon to be DVC owner. I'm only planning to go to WDW every 2 or 3 years and when I do, I can use a combination of DVC & HGVC during my trip.
I hope this helps.