I think your thought process is on the track when you mentioned masking. I am going to assume you have one sub tool, which your main mesh or human figure.
Go to masking and click mask all.
Use control + alt with a standard brush to unmask the neck and head
Using the move transpose tool draw from the base of the neck to the top of head and stretch the topology.
What I also recommend before using the transpose tool is dynamesh your model at about 64. Start at lo res, stretch the neck/head and then refresh the dyanmesh.
What’s going to happen if you do not dynamesh and go to use the transpose to stretch your topology, is that the stretching is going to put stress on the polygons where the stretching is taking place and that is going to look very unappealing. With dynamesh you relieve that polygon stress after using the transpose tool and the resume blocking your form.
Tip: Work lo res first blocking your form. When you get a decent human shape turn off dynamesh, continue blocking with subdivision levels. Start working in your details at higher sub division levels.
Hope that helps!