As long as your PS4's Blu-Ray drive is in good condition there shouldn't be much if any discernable difference. I would expect most of the games content and assets will be downloaded to the HDD from the disc regardless and the disc will act more as a license to launch the content meaning the PS4 won't need to be pulling all of the data from it. I'm sure it will have to pull some, but I would be surprised if disc users experienced notable differences, for better or worse, in loading times.