I voice agains't the crowd that says there is no bone change due to HRT after 20. There is no evidence currently that favor it, and if you think about bone growth you can conclude there are no changes.
This doesn't means there can't be changes.
As a example, I have read medical studies that point the onset of breast development to begin in between 3-6 months of HRT. I had mine begin to develop (painful buds) within 2 weeks of HRT. I can't possibly believe this only out of good wishing, because there were painful buds there and my aureola did itch with only 2 weeks of the stuff. They also point to no voice changes, but considering HRT rewires your brain it is possible to have voice changes on them. I know my voice changed drastically, not in pitch range but in the pitch it settles at and in the manner I speak.
AFAIK there have been no serious clinical trials to identify the bone changes we go under with HRT, there is just an assumption (based on the opinion of specialists, but that still is an assumption) there can't be bone changes after they are locked. There is a very strong basis for this assertion, but it has not been properly demonstrated.
The studies that identify even the ethiology of gender dysphoria are just beginning to clearly define what makes us, us, so I'd say it is fairly early for any sort of truth. Myself, I am glad my hands ARE smaller and my hips seen fuller, if there is some bone change, it is fine, if it is mostly due to muscle loss/fat gain, great too.