So you need 20 mL of the HCl to make it neutral. Keep that in mind, so you can add it to the value of "x", which is the amount of EXTRA HCl that is needed to make the pH lower to 2.
So in a neutral solution, we would have 20mL NaOH + 20mL HCl = 40mL
The volume of the final solution (of pH=2), therefore = .040L + x
Now we can use MV=MV, where:
(molarity final solution)(volume final solution)=(molarity original HCl)(x)
(1x10^-2 M)(.04L + x)=(1 M)x
x= .0004L, where x is the amount of extra HCl that is needed to lower the pH
So going back to the original problem, we needed to add 20mL HCl to make the solution neutral. Now we add "x" to make it acidic. So .02L + .0004L = .00204L
which is 20.4mL
Hope that helps