As far as I recall there are members in this forum who were successfully treated with TRT who did not have testosterone levels below the normal range and were not recommended it by their endocrinologist, but they went ahead and did it anyway - and were successful. I think Demo (admin of the forum) is one of them?
HcG injections may be a good alternative to TRT as evidence so far shows that unlike TRT, it does not negatively affect fertility levels (and actually enhances it). I have read many doctors are beginning to prescribe TRT together with HcG to help neutralise the effects of TRT on fertility. Everything I say here must be discussed with your doctor though to confirm, but you can do your own research.
HcG injection cost varies by country but usually you need several (about 3) per week, for at least 4-6 weeks (maybe a few months) to know if it treats your POIS. In the above article it was reported that POIS disappeared after 6 weeks of 3 injections a week, but his T levels were low.
I'm Australian, but currently in Thailand where injections are $50-60 per injection (I checked nearly every hospital/clinic). Countries with national healthcare may offer it cheaper. If you visit India, you could probably find it in a decent hospital for a few dollars a shot. It's not easy to find in Australian pharmacies, but hospitals/fertility clinics should have it as it is commonly used for both men and women for fertility.
I imagine HcG or TRT mainly has the potential to help those who have either low or borderline T-levels, and if you aren't at least near the lower part of the 'normal range', your endocrinologist may not even prescribe it to you.