mine is: 30" waist / 42" hips = 0.71
This is while being slightly overweight at 23.8 BMI ... If I get close to my target weight (which is at minus 15-20lbs) at about 21 BMI, my waist/hip ratio goes under 0.7 . Last time I was about 15lbs lighter I measured 27" and 40" ( 0.675 ).
I don't remember measurements from before transition. I had some padding effect on the right places, but I also get padding around my waist (because of my chocolate and cakes and icecream diet).
I didn't experience any bones growing on HRT (started at 25). I didn't physically develop after age 14, except for pelvis widening (until 20-22), which explains my ratio.