Hair loss happens differently for everyone. Though it seems the progression of hair loss should slow down as you get older, this is not the case for some people. Some begin losing hair as early as their teen years, and some later in life. In general, your ancestry is a good sign of how hair loss will happen for you. I advise you to see a doctor about your hair loss, as it can be a sign of underlying illness. Your doctor can also address your question about HRT.
Web reference: http://www.dermhairclinic.com/hair-loss-info/