I noticed VERY quick changes in fat deposition and redistribution on HRT, within months (4-5). Estradiol should keep the weight off the waist while promote weight in other regions like glutes, thighs, breasts, face making body softer looking, more curvaceous. The addition of progesterone might increase the deposition of fat but is supposed to counter water retention from estrogen. Some other forms of progestogens might adversely affect insulin, exert significant glucocorticoid effects, increase water retention which might cause weight gain, like cyproterone acetate or medroxyprogesterone acetate, for instance.
Eating the wrong foods will also cause fat to accumulate in the belly. Insulin is a very important hormone which contributes to this. What stimulates insulin? Carbohydrates such as pasta, bread, beer, cereals, even very sweet fruits like banana or pineapple, sodas, juices, potatoes, corn, etc. Fat, on the other hand, does not have such an effect (negligible) on insulin and keeps you more satiated. Saturated fats aren't harmful, this has not been demonstrated by science. Modest intake of carbs while eating as much protein and fat as you want may help you. Keeping stress at a minimum is also important as this can, over time, increase fat accumulation in the belly. Eat with pleasure, don't worry too much but try not to overdo it with carbs.
Lowering carbs somewhat will also have positive effects on your energy, health, cardiovascular parameters.
Personally, I noticed that on estradiol alone, I'm often hungry. Adding progesterone reduced my hunger significantly. The reason I think is because it calms me and prevents eating to relieve stress/anxiety.
