As you said, it depends on how fast your internet is. If you have a fast connection, remotely installing can even be quicker than the hard disk installing. I assume that you are talking about hdd in your pc, and not the external hard disk that connects via usb. If its your internal hdd, then your only option is to install games remotely, and you can speed up that process by making a network bridge (check out MODDED WARFARE's video Improving the speed of Remote Package Installer). If you have an external hard disk that connects via usb, then you just need to put the pkg files in the root of the hard disk, no extra folders. Also make sure that it is in exFAT format, since NTFS doesn't work on PS4, and FAT32 has a max file size of 4gb.