Welcome Cohiba,
Unfortunately there is no clear answer to your question. It is highly variable based on the type of merchant, size of merchant, cargo being carried (i.e. ammunition ships results can be quite spectacular), and where the hit is inflicted. Some ships like tankers (taking numerous hits sometimes) can be notoriously slow in sinking others can go down like a rock with a single hit. That same ship might also limp along like you stated if you hit it in a different part of the ship.
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