Mr. Chiu has 56 silver dollars.
If Mr. Phung has 16 more silver dollars than Mr. Chiu, then his total silver dollars is 56+16 = <<16+56=72>>72
The total number of silver dollars that Mr. Ha owns is 72 +5= <<72+5=77>>77
Combined, together they have 77+72+56 = <<77+72+56=205>>205 silver dollars
#### 205