The Church tends to avoid using the word “physical” regarding the real presence to avoid the notion that we are eating a part of the Lord’s body like a finger, etc. So we say that a sacramental change takes place and that His presence is a sacramental presence. However, the fact remains that the apprearances under which the Lord is present are physical or we would not be able to see them or touch them or taste them. The bread and wine do not become totally spiritual at the consecration. The Lord’s sacramental presence is made known to us through our physical senses and of course through our faith in Him.
In your original question, your assumption was that a physical change does not take place in the bread and the wine. The Church teaches that at the consecration the bread and wine no longer reamain bread and wine, even though they appear as such. In so far as they are physical, a physical change has taken place.
Fr. Vincent Serpa, O.P.