Unfortunately, particularly with how young you started, I suspect you are not going to get much more change naturally...
I started HRT at much older age (40) and got only the degree of change that you describe even after DECADES of HRT with number of different regimens (and I have an unfortunately large build as well).
Even though my face was my best feature, I had full FFS done which helped as well as BA with SRS. I really could not afford to do more work below the neck, and from what I could find, the results of things like fat transfer tended to be variable.
Where I wound up was not what I hoped for, but better than where I was.
There comes a point after one has done all that is reasonable, and you have to try to make the best you can of the results you get... going beyond that can cause both physical and financial issues for the long run...
You have to decide where that point is for yourself.
- karen