The correct answer is D. no article.
The word “lunch” is a common noun, which means it refers to a general class of things, not a specific thing. Common nouns are not usually preceded by articles.
In this case, the speaker is not referring to a specific lunch, but to lunch in general. They are saying that they had lunch at a later time than usual.
If the speaker had been referring to a specific lunch, they would have used an article. For example, they might have said, “We had the late lunch that was scheduled for 2:00.”
In this case, the article “the” is used because the speaker is referring to a specific lunch that was planned and scheduled.