In order for clarifying what are the essential thermal effects that govern the chiral phase transition at finite temperature, we investigate, in the real-time thermal QED, the consequences of the Hard-Thermal-Loop (HTL) resummed Dyson-Schwinger equation for the physical fermion mass function $\Sigma_R$. Since $\Sigma_R$ is the mass function of an ``unstable'' quasi-particle in thermal field theories, it necessarily has non-trivial imaginary parts together with non-trivial wave function renormalization constants. In the present analysis we correctly respect this fact, and study, in the ladder approximation, the effect of HTL resummed gauge boson propagator. Our results with the use of numerical analysis, show the two facts; i) The chiral phase transition is of second order, since the fermion mass is dynamically generated at a critical value of the temperature $T_c$, or at the critical coupling constant $\alpha_c$, without any discontinuity, and ii) the critical temperature $T_c$ at fixed value of $\alpha$ is significantly lower than the previous results, namely the restoration of chiral symmetry occurs at lower temperature than previously expected. The second fact shows the importance of correctly taking the essential thermal effect into the analysis of chiral phase transition, which are, in the previous analyses, neglected due to the inappropriate approximations. The procedure how to maximally respect the gauge invariance in the present approximation, is also discussed.