She performed oral sex on me for perhaps 15 seconds and then I had very brief unprotected sex with her until I came to my senses. I penetrated her an inch and was inside her for 5 seconds max. I washed my penis immediately with warm water and later on with warm soapy water.
I am worried sick about contracting either STD or HIV. What are my chances and what kind of testing should I do and when?
It is unlikely that a female sex worker in the UK would be HIV positive - some are obviously, but the majority not.
In the circumstances you describe I would estimate your risk as very minimal.
I do not blieve you have put yourself at risk because 1) it is unlikely that she was HIV positive and 2) even if she were to be then the episode was so brief and uncertain that again I don't belive this poses much of a threat.