If the efficiency is around 85% means you only use the 85% of the capacity, then why GM/Toyota need to reserve 30% of the capacity?
You're mixing up two very different things.
1. When charging from the wall, there is some loss because -- to cite the Second Law of Thermodynamics -- "No reaction is 100% efficient". A 15% loss for charging the car, meaning an 85% efficiency in charging, would be perfectly normal. I've seen claims for better efficiency, up to 92% efficiency, but I think that is only for short periods, not for fully charging the battery pack. If I recall correctly, as the battery pack approaches full charge, the charging efficiency drops. Anyway, charging is generally described as being between 85-92% efficient, so a 15% loss in charging is within the normal range.
An 85% (or even 92%) charging efficiency doesn't mean the battery can't be charged to 100%*; it just means that if your battery pack is rated at 17 kWh (which is what is advertised for the Clarity PHEV), then in theory it would take perhaps as much as 20 kWh to fully charge the pack. But in practice it should never take that much, because the car isn't designed to allow the battery pack to be either fully discharged or fully charged. If the usable capacity is 14 kWh, as Jdonalds says, then 14.7 kWh from the wall is absolutely nothing to worry about, and in fact that would be 95.2% efficiency, which is highly unlikely. Much more likely is that the amount of energy actually added to the battery pack is less than 14 kWh, perhaps something between 12.5 kWh and 13.3 kWh.
*That is, 100% of
usable capacity, which will always be less than 100% of full capacity, to avoid prematurely aging the battery pack. Confusing, I know, but what the car's instrument panel displays as "100% charge" isn't actually 100% of what the battery cells are rated at by the battery manufacturer; it will be at least a few percent less.
2. Regarding the energy stored in the battery pack, PHEVs (such as the Clarity PHEV) are designed to maintain a minimum charge, both to ensure a certain baseline of battery power will be available on demand when needed for strong acceleration and hill-climbing, and also to avoid prematurely aging the pack, which happens when it's repeatedly drained to 0% or nearly so. It has been widely reported that the Chevy Volt tries to maintain a minimum 30% charge. I'd be surprised if the Clarity PHEV's minimum charge is much less than that. 25% is plausible, but only 15% is not. I seriously doubt anyone designing a production PHEV is going to design the car to allow the battery pack to fall to only a 15% charge under normal circumstances.
Please note that subject #2 has absolutely nothing to do with the charging losses described in subject #1 above. It's more or less a completely different subject.