I built my 600 for a lot less than your budget and that's faster than I need.
If I was in your shoes, I would buy 4k worth of bike, not borrow.
I'd be getting the tidiest 400cc bike I could, still a nice step up from a Hyo in terms of power and any CBR/ZXR 400 will run rings around a Hyowhale in the corners. Properly fun bikes, I'd take the 400cc toys over the 250s any day.
My 600 is hard to enjoy in terms of its power because you're doing stupid speeds by the time you hit the limiter in third, and that's with lower gearing. Then those speeds become... normal and you end up riding like a fuck knuckle.
Or at least I did![]()
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