Ray 123,
From your profile, I cannot determine if transition is for you. HRT causes many changes not just hair restoration.
Hair loss is caused by a hormone called Dihydrotestosterone. This hormone is many times more powerful than just plain Testosterone. It is possible to take a small dose of a DHT blocker called Finasteride that will stop the loss of hair, in many cases. The trade name of this low dose Finasteride is Propecia.
In the US, Propecia is not usually covered by health insurance, but a higher dose for prostate issues is covered. Treating a prostate is medically necessary, but treating hair loss is cosmetic. Because of this, many men get the high dose and split the tablet into smaller sizes. There are issues with doing this. The medication can cause birth defects to the unborn child of a pregnant woman. Even trace amounts of the powder can have a bad effect. Tablets are usually coated to prevent this and when the tablet is split into smaller doses, the powder is exposed to the environment. Another issue is that the daily dose will never be accurate, but will average out over a few days if you take each tablet part daily for consecutive days.
On the other hand, if MTF transition is in your future, you do not need to split a tablet.
The side effects of Finasteride are listed on many internet sites, but the most troublesome is the loss of sexual libido. This does not happen to all men, but it does happen to a significant number of men. How Finasteride effects a FTM person is not clearly defined, but I would expect it to be the same as any other man.
One more thing. There are other ways of dealing with hair loss besides HRT. These range from Minoxidil 5% solution to a good quality baseball cap.
The choice is yours. I am sure you can find a treatment that works for you.
