Splitting 10mhz of band (from 430.000mhz to 440.000mhz) into separate 40khz channels yields exactly 250 channels, not 251.
First seems you do a mistake between channel spacing and "40khz channels" so related to the frequency bandwidth while transmitting or receiving.
Dividing a 10Mhz band by 40KHz (the channel spacing we use, see bellow why) give channels numbers from channel 0 to channel 250 (as displayed in GUI) and the total channel count is 251.
Those 251 channels are possible hopping channels available for link, and the spacing between this hopping channels is not related to tx/rx bandwidth.
Simply we have a 10Mhz band (430-440), hopping channel value from 0 to 255 and 10Khz step size: answer is divide by 40Khz and get the maximum of hopping channels.
Next a set of channels is generated, at this point the tx/rx bandwidth is taken in account assuming the bandwidth is bigger at higher baudrates. This means two channels effectively used cannot be #10 and #11 @100Kbps but more likely #10 and #13 @100Kbps.