Silver (Ag) does not dissolve in HCl acid, but the acid can attack fine silver powders or if thicker the surface forming a crust of silver chloride, in aqua regia silver basically for the most part does not dissolve but will form silver chloride (AgCl) which is an insoluble fluffy white powder that takes time to settle, or if too much silver it can form a crust of passivated silver that protects the gold from the acid...
Basically you will not for any practical amount have silver (Ag), or silver chloride (AgCl) and gold (Au) both in solution at the same time.
Now with that said, in a highly concentrated aqua regia assisted by the very high chloride concentration or the high common ion effect, and the oxidizing environment of the acids a very tiny amount of Silver chloride (AgCl),(just enough to contaminate the gold), can be oxidized into a soluble solution of Dichlorosilver ions (AgCl2).
Once diluted with water and letting the gold chloride sit overnight the Dichlorosilver (AgCl2)is reduced to an insoluble white powder of silver chloride (AgCl) which will settle overnight as white powders to the bottom of the undisturbed flask or vessel...