My apologies, I was thinking only about the indivdual bonds when I replied previously.
Water is the more polar molecule, here is why:
The dipole moment of HCl molecule is 1.03 D and that of H2O is 1.84 D.
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A diatomic molecule has two atoms bonded to each other by a covalent bond. In such a molecule, the dipole moment of the bond gives the dipole moment of the molecule. Thus, a diatomic molecule is polar if the bond formed between the atoms is polar. Greater the electronegativity difference between the atoms, more will be the dipole moment. The dipole moment of HCl molecule is 1.03 D
In polyatomic molecules the dipole moment not only depends upon the individual dipole moments of the bonds but also on the spatial arrangement of the various bonds in the molecule. In such molecules the dipole moment of the molecule is the vector sum of the dipole moments of various bonds.
Water molecule has a bent structure with the two OH bonds oriented at an angle of 104.5°. The dipole moment of water is 1.84D, which is the resultant of the dipole moments of two O-H bonds.