Some of these expectations are exaggerated...
People are talking about strong social cues they have to think they are hungry after swimming. I doubt very much that most of us are swimming hard enough to use 500 kcal in an hour. I only swim 1 km in 25 minutes and I sure don't work that hard.
I have the formula to calc how many calories used as a function of average heart rate, but I don't know how to adjust it for swimming (people have a different maximum HR due to the buoyancy of water). Ignoring the different swimming max HR...
Not swimming, A 5'6" tall woman, 30 yrs old, avg VO2Max, weighing 140 lbs (10 stone) would need to have an average heart rate that was 82% of her expected max for an entire hour to burn 536 calories. That's average over the entire hour. So a fairly hard pace, no chatting. If you can spit out more than a few words you certainly aren't working hard enough to burn 550 kcal/hr. 300-400/hr is probably more typical for most women, and most people don't do lanes so long as an hr.
A 20yr old 90 kg guy might burn 700 kcal an hour swimming in a normal way (ie, stopping a lot to gas away with mates)... because he's male, young, 90kg, etc. Hugely more if he's got an amazing VO2max and cuts the nattering time.