Well usually people say the "second puberty" starts with the thirties, or mid-thirties.
But the hormonal changes are more or less slow but constant, they're just getting really noticeable at that age.
Depending on the amount of T and DHT you have 'masculinisation' will become visible earlier or later. That's always a bit different for every person.
Look around you. There are 24 year old people that still look like they're 16 and there are people around the same age that look a lot older.
But if you really want to start HRT you shouldn't worry to much. A lot of people here reported that after some time on estrogen they start to look a lot younger to other people than they actually are.
Also if you have currently (with nearly 21) have very slim shoulders i don't expect any big change there. Most of your skeletal growth is already done and changes will mostly happen throguh increases or decreases of muscle mass.