Minoxidil twice a day and 1mg of Propecia a day is the most common treatment, and for the vast majority of people it is enough to stop hair loss, and even create some regrowth. Minoxidil is something you can get over the counter without even having a prescription. You can buy a six month supply on Amazon for about $30, so it's very affordable. Just make sure that you don't have a cardiovascular condition that the medication might interact with, and you should be fine. Propecia is off patent now, so you can get it relatively cheaply even without insurance, but some insurance does cover it (mine did). All you need to do is tell your doctor you want to take it to help with hair loss, and they should go over the side effects with you and then write a prescription. It usually takes about six months to start to see real results, and you may have some shedding at first that will make your hair look worse in the short term, but it should keep your hair healthy until you are ready to start full HRT.
You don't necessarily need to take the whole treatment for life either. Once your testosterone levels are under control, Propecia is probably not necessary any more, and after an orchie/SRS it definitely isn't. Minoxidil is something you do need to continue to take to maintain any regrowth you achieved with it, but I cut down to once a day after my orchie, and I can't say I noticed any difference. I decided to use it less often because it made my hair look greasy, which made me need to wash it every day, and my hair takes forever to dry. -_-