my observations if anyone can find it helpful.
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openwrt router with 172.20.10.2 assigned cannot ping out anything except 172.20.10.1 but able to resolve dns queries.
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openwrt router arp command shows the iphone’s wireless interface mac address while ifconfig registers another different mac address (last 6 different).
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openwrt router arp can register other wireless clients’ HWmac connected to the iphone’s wireless personal hotspot.
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possible to make a ssh connection from the iphone (172.20.10.1) to openwrt router (172.20.10.2).
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wireless clients connected to personal hotspot can access each other but not the openwrt router via the USB.