You can't spot reduce fat. Just eat less and exercise more and the weight will come off. It might take awhile to finally leave your hips. The rule of thumb is generally that the first place you store fat will be the last place it'll leave. So it might not be an easy task. T, if and when you start, might help. Keyword: might. I've been on T for 6 months and have seen no fat redistribution so far. 6 months is also a rather insignificant amount of time, but just saying, it won't happen overnight, if it does at all.
You might be pear shaped, which would make sense if you're skinny from the waist up, and carry the majority of your fat in the hips/thighs. But, just because you store fat predominantly in one part of your body doesn't mean losing weight would be unhealthy. Excess fat is excess fat, its location and comparison to other parts of the body is irrelevant. Find out how many calories you need to maintain your current weight, and shave off about 500 of those a day by eating less and/or exercising. If you do it right, you will lose fat. Primarily estrogen-dominated bodies might not give it up too easily, though, but if it's something you want, you have to stick with it. It may be a few weeks before you even start to see progress. Usually, in female-bodied individuals, thighs will begin to slim when your body fat percentage drops below 18 or 19%.