I recently stopped HRT in order to bank sperm. I was on HRT for 4 months and had experienced psychological changes, body hair reduction, and some breast development was beginning, as well as libido loss.
I have been off HRT for coming on 3 months (it takes 3 months according to the embryologist at the clinic I am seeing for fertility to recover after a short period of HRT - IF it does recover). I will be restarting HRT on Friday.
Since coming off, I lost tenderness on my breast, and the buds shrank within 2 weeks. There are small hard lumps there, but they went from around golf ball size to small marble. My libido returned and body hair growth sped up again.
The worst has been the psychological consequence of coming off HRT. I have had some very low points, and a return at times of suicide ideation. Seeing the progress of the 4 months HRT reverse was terrible. Gender dysphoria came back hard.
I can give you an update on how going back on the HRT goes in a month or two if you are interested.