A hyperlink links one document to another.
When you click one of the links at the top left of this page it takes you to another page, perhaps the Helproom or ConsumerWatch. That's a hyperlink at work, connecting one document to another. You can also get a hyperlink to download a file or open an email, but they are all links to other documents or behaviours.
I think you mean that you need to use FTP [File Transfer Protocol] to transfer your pages to your web space.
Looking through the tour of the Geocities page builder it appears that once you have created your page[s] online, you can alter them as well. If you want to upload your own web pages, you use the file browser supplied by Geocities to browse your PC for the file[s] you want to upload. There's a snapshot of this as well as lots of other guides and walk-through information on the Geocities tour pages click here
Be careful about using Word as your web editor. Word produces some lousy code for web pages, and it links to embedded files in an unusual way making it difficult to get a clean upload sometimes. I'd have thought you would be better off using the online page editor and simply copy and paste your test and images into the page[s] you can make using the Geocities tools.