For Québec at least, it's:
Hormones at 18; 16 maybe with a very insisting person/very nice doctor combination.
One year of RLE. It can go down to 6 months depending on the case, according to my psychiatrist.
Then you can apply for surgery. Dr Brassard's waiting list seems to be relatively short. A few months; around 6, I think.
However, if your character had a late-ish puberty and got blockers when she arrived, she might look okay enough to go full-time before hormones, which would make her eligible to request surgery after just a bit of HRT, in theory.
Oh, but new permanent residents of Canada, in Québec at least, are not eligible to public health insurance for 3 months after they get their status. Also, waiting lists to see the evaluating/referring psychiatrist can be relatively long. Mine was a good 4 months long, if I remember well. Plus, a lot of them (mine at least) will keep you stalled for a year before referring to an endo.
You'll want to include those delays in your calculations.