I just got my first gray hair

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My oldest brother is 39, half bald and half gray.

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You mean the half that isn't bald is 100% grey, or half of the whole that isn't bald is grey (50%).

In other words is it: Grey 50%, bald 50%
OR Grey 25%, normal 25%, bald 50%?

FWIW, I think I have a couple greys. Can't really tell if it's just the lighting or what. But I'm mid-20's.

I have beautiful thick head of hair so grey won't bug me as much as losing it would. My brother is 29 and has no grey's, but his hairline is a bit receeded. My father was half-grey by age 30, and is now 55 with about 95% total coverage of 95% silver hair. In other words he's only 5% bald, and of the remaining hair, 95% of THAT is grey.