does hrt eliminate chest, stomach and back hair?

No, reduce to varying degrees.

it did mine 

It's reduced what I had by a pretty large percentage. I have a feeling that what's left I'll have to electro or laser

over time it dimished my chest and lower tummy hairs, what is left is much finer

lordkat is right.

it diminishes and makes it finer after some time but doesnt get rid of it

guess I'm one of the lucky ones.....didnt have back hair to begin with and not much chest hair....but it's all gone, not even fine ones

Once a follicle exists, it exists. Only magic (laser/electro) can make it stop growing those pesky pricklies. The thickness, darkness, firmness, and growth rate are not fixed though. Personally, I've noticed my facial hair is coming in whiter and whiter as time passes. The hair on my legs is taking longer and longer to grow back. And the hair on my chest and arms is becoming thinner and lighter, almost to the point you can't see it. YMMV, we're all unique, right?

Diminished, and laser and waxing keeps it under control.

Cindy