Hey mate,
My legs and pits got hairy straight away, I guess I was on T maybe 3 months and my belly started to get hair. I noticed hair on my hands and knuckles after about 6 months. Facial hair for me took ages, after 6 months I was getting "bum fluff" but not real facial hair. Now Ive been on T 18months and get proper whiskers - I shave about twice a week. At about 12 months my hairline was noticably different. Im not going bald but the fron become more pronounced like a guys and where my hair parts at the back became thinner. My chest hair is very light still.
No one in my family is very hairy which I think is why its taken me so long to grow facial hair, chest etc.
Like you said everyone is different.
I was stoked with the changes though espically my stomach hair and my "happy trail" :-)