Digital holography is a 3D imaging technique by emitting a laser beam with a plane wavefront to an object and measuring the intensity of the diffracted waveform, called holograms. The object's 3D shape can be obtained by numerical analysis of the captured holograms and recovering the incurred phase. Recently, deep learning (DL) methods have been used for more accurate holographic processing. However, most supervised methods require large datasets to train the model, which is rarely available in most DH applications due to the scarcity of samples or privacy concerns. A few one-shot DL-based recovery methods exist with no reliance on large datasets of paired images. Still, most of these methods often neglect the underlying physics law that governs wave propagation. These methods offer a black-box operation, which is not explainable, generalizable, and transferrable to other samples and applications. In this work, we propose a new DL architecture based on generative adversarial networks that uses a discriminative network for realizing a semantic measure for reconstruction quality while using a generative network as a function approximator to model the inverse of hologram formation. We impose smoothness on the background part of the recovered image using a progressive masking module powered by simulated annealing to enhance the reconstruction quality. The proposed method is one of its kind that exhibits high transferability to similar samples, which facilitates its fast deployment in time-sensitive applications without the need for retraining the network. The results show a considerable improvement to competitor methods in reconstruction quality (about 5 dB PSNR gain) and robustness to noise (about 50% reduction in PSNR vs noise increase rate).