I think you need to get on propecia, give it a year, see if your hair loss stabilises and reassess, if you don't stop your hair loss further progessing it's absolutely pointless getting a HT, because by the time it grows in you will have lost more hair, if you can stabilise the hair loss you'll see good results from a ht because you still have a lot of native hair, if you don't stabilise your hair loss it will most likely progress moving you up the NW scale meaning more grafts and less chance of a successful outcome!