Well, what you are missing is the fact of how tiny such a black hole is. Wikipedia says, a black hole with a weight of 10 suns is only 30km in diameter.
Also, you need to add the sun's escape velocity to the equation, which is 617.7km/s. So the black hole will hit the surface of the sun with roughly 686.7km/s.
The effect is, that the black hole will basically just punch away a cylinder of sun mass with a diameter of 30km, going all the way through the sun's core, and leaving on the other side. You need to realize that this cylinder of mass is much lighter than the black hole that travels through it. Thus, the black hole will not loose enough speed to be captured within the sun, and it won't be able to eat the sun from within.
The whole process is actually quite like a bullet hitting a box of marshmallows. The marshmallow box may be much more heavy than the bullet, but still the bullet will pass through relatively unhindered. And, just like the bullet is much more dense than the marshmallows, the black hole is much more dense than the sun. So, just like the bullet simply does not encounter enough marshmallows on its path through the box to stop it, the black hole does not encounter enough sun plasma on its path through the sun to hinder its progress significantly.
Detour: Estimation of slowdown
The sun's core has a density of $\rho\approx150\frac{g}{cm^3}$. For simplicities sake, let's assume that the entire mass of the sun ($m_s=1.99\cdot 10^{30}kg$) is confined within a sphere of this density. This results in a sphere with a radius of $r_s=146819km$ (much too small, the sun has a radius of $696342km$, but we want an upper bound on the effect on the black hole).
The stellar mass that is on the path of the black hole of radius $r_{bh}=15km$ would be
$$m_{collision}=2r_s\cdot\pi r_{bh}^2\cdot\rho$$
$$=207560185km^3\cdot\rho$$
$$=3.11\cdot10^{22}kg$$
$$=0.0000000157m_s$$
Setting this into relation with the mass of your black hole ($m_{bh}=0.025m_s$), we can compute the speed that results from the fully inelastic collision between that mass and the black hole:
$$v_{bh}\cdot m_{bh}=v_{out}\cdot (m_{bh} + m_{collision})$$
$$\Leftrightarrow v_{out}=v_{bh}\frac{m_{bh}}{m_{bh} + m_{collision}}$$
$$=686.7\frac{km}{s}\cdot\frac{0.025m_s}{0.0250000157m_s}$$
$$\approx686.7\frac{km}{s}$$
Looks like my analogy with the bullet and the marshmallows was totally off. It's more like an anti-tank bullet going through a box of fluffy cotton wool...
And that's even with the assumption that the sun were core-only, the real mass distribution would lead to even less of an effect...
The point is, the stellar mass that the black hole interacts with is just way too small for any appreciable effect.
Of course, you must expect some hard gamma radiation when the black hole enters the sun, and some more when it leaves on the other side. But those ray bursts will be tiny in comparison to the 150 million kilometers, so I doubt that they will be strong enough to be catastrophic. I may be mistaken on that one, though, as I can't do the math on this.
So, sorry, the apocalypse won't happen that way...