I've wanted an HP for years but couldn't afford one,
Yeah, I thought that way too, once. The I discovered that it wasn't that I couldn't afford it, it was that I couldn't
justify spending the money on it, at the time. Later, as life went on, experience gave me a different viewpoint.
Take some well meant advice from someone who one day woke up and wondered just where the heck the last 30 years went....
Every payday (week, bi-weekly, monthly, however you get it) you get more money. NO ONE can give you more time. No one, who is honest, will promise you more time. (Those that do, are selling something!)
Decades before the Internet let you search the country for what you want, I got the "bug" for a certain rare pistol. I would fine ONE for sale, about every half dozen years or so. I couldn't "afford" it when it was $395. I couldn't afford the next one I found, at $695. I couldn't afford one at $995. When I found the next one, for $1500, I took out a personal loan. The gun cost more than the beater car I was driving at the time. I got it, and the wife got a nice bed with the rest of the loan. Almost 35 years ago, now, and I still have that gun, and she still has the headboard and frame.
Trust me on this, it only SEEMS like you have all the time in the world to get what you want, when you can "afford" it. Keep a roof over your family's head, keep them fed. Keep the lights on, and see they have shoes and clothes when they need (not just want) them. Everything else is a negotiable priority.
There are a LOT of Hi Powers out there, they will be around, and available for a long time to come. What they won't be is cheap. You can still get a Luger if you are willing to pay the asking price. The longer you wait, the more it will cost you.
Your call, I wish you well.