HCl will dissociate immediately...furthermore...chloride salts are soluble except for with Hg2 ++, Ag+, Pb++, Cu+...when you set up the equation you have to eliminate spectator ions. therefore...know the solubility rules...
However...the answer 1.5 assumes complete dissociation of H3PO4...don't really think of H3PO4 dissociating completely in Calcium Chloride
Here is another way to think of normailty
H3PO4 titrated with NaOH
1mol H3PO4 reacts with 3equiv NaOH/mol H3PO4