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aggi
This is my understanding too.
My 2p the idea of trusting the government on something as long term as the lifetime ISA is niave. And over the term the gain seems minor.
The Help to Buy ISA doesn't alwsy work out when you look at the inside/near London caps and that it's priced into a lot of new builds (which I believe is still a stipulation). However, there is so little downside, if you can you may as well. If it works for you great, if it doesn't meh.