Ideally, you're not dumping the hot water back into the harbor. At least from a naive theory perspective, you could put huge cooling towers on deck and cool the reactor 100% through evaporative cooling. Bonus: the huge steam/mist cloud out of the cooling tower could help delay global warming through marine cloud brightening [0]. Whether the deck of a floating reactor has enough space and stability to support cooling towers of the appropriate size is a question for the engineers.
That's how most reactors in first world countries with temperate climates work anyway. Because it really messes up the biosphere of your river/coast, if you just dump 3GWh of thermal power straight into the water.